I did a DVC tour (for the gift card) and the first thing they do is price out all of your trips from the last year in DVC points, to get an idea of how big of a contract to buy. I think mine was like 700 points if I had stayed DVC for all of the nights (thanks to so many rD trips)
The agent was like, we wouldn't normally recommend buying a contract that large to start, maybe 300 points would be more reasonable.
And I'm sitting there like, so you think I've got the money to buy a 300 point contract outright, eh?