If you don't care where you stay at WDW, then purchasing HHI or VB points resale ($60-$70/pt) is a bargain. It will take a lot of time before one breaks even between the higher dues and the big savings per point. There is always plenty of inventory at OKW and SSR. Soon, it will be AKV. If you don't mind staying at these resorts, you will save alot of money. I think the whole theory of " higher MF will eat up your savings" is a bunch of baloney. Do the math.....see how long it takes to just break even. So what about the extra years (2042 vs. 2057). Statistically, the probability that you will still even own past 20 yrs. is low.
I don't think it's going to be about where you want to go, but when. I went after AKV 2bdr at 6 months for AUG. Booked, no go, OKW HH, here I come. Don't get me wrong, I wanted OKW



As far as the dues go, I'll try to do the math again and post. SSR worked in my favor before. I wanted WDW, but did look at the offsite properties. I do remember using 3% increase yearly for dues, and SSR came out $6 - $7 per point for the life of the contract.
Ralph