Thanks, Charles! Much appreciated. I think it makes the most sense to use the points for a DVC resort - most bang for your point-buck. A follow up question for you (sorry, I'm still working my way through rookie status!) - How does one book the Disney Dining since you can't purchase this without proof of staying at a Disney resort. Do I wait until the DVC member makes the reservation and I have a confirmation number and then contact disney reservations? We did the Disney Dining three years ago and it was worth eveyr penny - we thought. Thanks again!
Kurt