This is my simple spreadsheet that just calculates it as if dues stay the same throughout the life. It's just easy to look at and see right away what your financial impact is. I do have sheets that calculate cost of owning after 5, 10, 15 years. I have one that has a scale for dues increases but nobody knows for sure how dues will trend.
This one is your RIV vs if OKW offered the same incentives as last year (not factoring in banked points, but an OKW direct could also yield in extra points too)
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This one for fun I did the sweet spot for OKW incentives at 300 points vs resale of 300 at SSR and 300 resale OKWe at $90pp
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