I'm wondering just how many people still pay long distance any more. Can't be very many, I'd think. Even my 70+ yo parents have cell phones that call long distance for no charge.
LOL.. Your idea of what it costs for a week at Disney and mine are very different. Besides, you have way more than the cost of dues to buying DVC. We've priced it out and no way is it cheaper for us to buy DVC
Different strokes...
it all depends on what time of year, what day of week, type of unit, how many points you bought & how you paid for them (cash or finance), etc. Many spread sheets out there that people have posted that illustrate how DVC worked for them.
We do split trips, if longer than 5 nights as we love staying onsite @ Universal and cruising out of the area, all depends on the amount of time & vacation budget. This track didn't start with purchase of DVC.
bought my first contract (resale) years ago for a little more than what a week @ the poly would've cost us.

Cancelled it, stayed @ a value and now thrilled to be able to stay deluxe just for the monthly dues that are automatically deducted from my checking account. Last I looked my yearly dues in total were in the area of 2, maybe 2+ nights of what a studio would cost & we have beefing getting a sweet AP discount for as long as I've been a member.
Btw, if you factor in how much the price of Disney hotels increase each year, I couldn't earn interest to match it on my money.
Have since added on same way both thru DVC direct and resale, little dribs and drabs...all cash...which I scrimped and saved cutting out other entertainment expenses.
Honestly, the very best perk of owning DVC is knowing that my work-a-holic DH got into the habit of committing to a vacation since 'we have to use the points" & he has grown to love WDW as much, if not more, than me.
RE the DVC 800 #, it is appreciated and convenient, but there are times when I do find myself calling the regular Disney #. Spent what seemed like hours booking stuff for F&W lol.