If you're not interested in renting your points....
I'd say it depends on if you frequently find yourself with left over points at the end of your use year. If you always have leftovers why not use them instead of paying cash?
If you are trying to squeeze every dollar out of your "investment" ...
I'd say stay at the Swan/Dolphin and make a buck on your points.
Personally I'd stay at the Swan/Dolphin for the real short trips AND make a couple longer ones on points at a
DVC resort!
