That's what I loved about it, we could try it out, see if it met our needs, and fit it in our budget without borrowing. We bought the 50 point OKW resale, and then did the add on through Disney. We're fairly borrowed out right now, but next year we're not going to Disney, so then we'll be back on track. I think of it as a sampler. We can stay at all the resorts, and if/when we want to expand we can be certain about which is our favorite home resort. This board helped me out incredibly, I wouldn't really have known much about it otherwise!