75%? The best advice I got was to buy where I wanted to stay. With that in mind, we passed on Saratoga when it was offered to us on a cruise way back around 2011. It was inexpensive, but we were in our 20s, not sure how many kids we would have, and not sure we wanted to spend the money upfront. Several years passed and BLT and VGF came around. Then they announced Poly, our favorite hotel. We cruised and decided to buy in despite it being double the cost of that Saratoga offer years ago. We have the money upfront, we are done having kids - 2 boys, and we will always want to spend part of our time at poly. We LOVE it here.
Also, we vacation inn October, when food and wine and Halloween draw a lot of
DVC members in. I’m glad we don’t have to rush at the 7 month mark to try and get a resort we want. We book poly at 11 months easily and then, if we want to change it at 7 months, we can try or waitlist but don’t really care if the change happens.
That said, we have used points here and there to try other resorts but always end up with most nights at poly.
December 2016 - 1 night BWV, 1 night BLT, 5 nights Poly
Summer 2017 - 1 night VGF, combined points with family for 5 nights grand villa OKW
October 2017 - 2 nights BCV post cruise for food and wine
NYE/January 2018 - 6 nights Poly for marathon weekend
October 2018 - 8 nights poly
Planning to book 8 nights poly in October 2019 OR, depending on my sons fall break, maybe less days in a 1 bedroom at BWV or BCV or even the new Rivera place. But again, if it doesn’t work out for a 1 bedroom, poly is fine with us!