Thanks for the information. Right now we are looking at it predominantly to go to WDW with our children (5,3,1) and hopefully start a tradition and eventually come back with grown children and grandchildren. We have used my aunt's points to stay at Saratoga Springs and the one thing I noticed was several generations coming together. I finally found a copy of
points charts and looked at the actual cost of staying at those places with cash and there really isn't much if any savings. There is a modest savings with the cruise, but even that is approaching breakeven in many senarios depending on how you work it out.