THanks for all of your input. We are selling
DVC so I can quit my job to stay home with the kids

. I HATE to get rid of it because it is wonderful but it is a luxury item that must go! I think the RPR may be the one for us. We do need to keep expenses low and I don't think we'll be in the room a whole lot. Does Universal put out the "codes" that Disney does for discounts or I am stuck with rack rate?