Yes, we are Disney Vacation Club members. We cruise on points about once a year. A minimum purchase is 150 points per use year. I for get how many points it is costing us to cruise for 7 days, it is quite a few, over 100 per person. We do this to avoid the giant chunk of change that needs to be handed over in order to cruise. We only hand over a $75 exchange fee. (not per person.)
That being said, DVC is a wonderful way to vacation. There will always be debate over which is the best way to budget points. We use them however we see fit.