We have 1385 points at: SSR- 875 pts (555 resale@$65/pt, 320 direct@$92/pt), BCV -210 pts (150 resale@$85/pt, 60 direct@$115/pt), and VGF - 300 pts (direct@145/pt). We bought about half direct and half resale (before the rules changed in 2011). We use BCV for Food & Wine In Oct/Nov. We go for two weeks in January (2BR) to get out of the cold and grey (in Jan it is soooo green at WDW!). We always stay in 1 or 2 BR. The rest of our points get used up for fun things like concierge collection, or cruising. We never have remaining points to bank . We invite family and friends too.
Like others, we started studying
DVC in 1990, but couldn’t afford to buy (how stupid was THAT!). We bought our first contract in 2008, and didn’t look back. Now we really couldn’t afford to buy as we are retired.
Regrets: I wish we had bought at BLT instead of BCV.
We love our DVC!