I have owned a DVC for a few years and have borrowed, rented, and burned through my points for the first few years. Finally, when planning our trip for this use year I am going to be able to bank over 100 points! I am slowing down now and not having to rent 2 brms helps. We even are going down to a studio at BCV as we will be there during F&W, I won't be cooking. It just feels good to finally get into a more relaxed state with our points and be able to save some instead of borrowing. In think of 2010 use year we will be able to stay club level at any resort! I am so happy we own a DVC.