A lot depends on your vacation time, if you are restricted to certain times of the year to travel then the 11 month reservation time is best and you should buy at the resort you would want to stay at. If you can be flexible with your vacation, the 7 months will work 90% of the time. So buy resale for less money and buy OKW which is the least costly at this time. You do get as stated 10 or more years if you buy SSR from disney. If you want to buy from disney before 1/20/07 (I understand cut of for deal) at SSR PM me for friends and family referral to get discount.