oh here's where you want to start! Don't give me something easy......go right for the kill!
Points: this is the beauty of DVC vs other timeshares. (yes, there are other places people go......

& a lot of other timeshares are cheaper) however this is one of the best things: your points can be used anytime you want, for however long or short you want, any time of year, any day of the week, summer, winter, Christmas, anytime......there are no blackouts what-so-ever.
Now- that being said, obviously the more costly times to go (i.e. Christmas--)(think anytime the room rates are high)- the DVC points needed are going to be high as well. Weekend points are going to be higher than weekday points (Friday, Saturday).
Banking, borrowing & use years may have to be a lesson for tomorrow.