We are in the process of purchasing a BCV contract resale. It is by far our favourite resort and the idea of owning DVC meaning we would need to potentially say goodbye to the Beach Club if we couldn't get regular bookings made it feel like it really wasn't worth the savings. We are also international and ideally do not want to deal with a DVC sale at any point in the contract. The 2042 expiry means it will end when our youngest is in their late teens and oldest is in their early 20s - a new life stage where we can regroup and see what vacations look like for us as we approach retirement.
We are not looking at this as an investment, but moreso prepaying to lock in a reasonable rate at the Beach Club for the rest of our kids' childhoods. Once we close, we will stop looking at point values and calculating what the current value. Once we close the initial purchase, we will just enjoy booking BCV stays for the cost of our maintenance fees for 16 years and and try not to overthink or second guess! We have looked at renting many times but the lack of flexibility with three young kids feels a bit riskier than we are comfortable with.
Could we make a better financial decision? Probably! But after much discussion during our recent trip where we paid cash to stay at the Beach Club... our
Disney vacations do not fall in the category of sound financial decisions. They are the one area in our life where we spend likely more than is reasonable to create lifelong family memories - and we have never regretted this on a single cash reservation.