I used to be a financial analyst so doing this exercise appealed to me. I kept it simple by using what rates we likely would have paid for our visits, ie if there was a discount, I estimated it. I didn't research specific rates because I"m a
travel agent and am pretty familiar with room rates and because we would never pay rack rate. We wouldn't have considered renting points, so didn't consider using those prices. I didn't factor in food savings because we've never used the oven and rarely used the stove. We usually eat breakfast in our room so probably save using the microwave, coffeemaker, and toaster. We paid cash so interest wasn't an issue. For savings that we could have earned by not paying the purchase price up front, we used bank money market and cd rates, as we would not have invested this money in the stock market but kept it available in the bank. So interest that could have been earned the past 7 years would not have been significant.
Once I get the complete list of DVC vacations and finish this I'll post it.