Dean
DIS Veteran<br><a href="http://www.wdwinfo.com/dis
- Joined
- Aug 19, 1999
- Messages
- 39,228
Certainly if the section of the resort you own at is out of commission permanently, you cease to be a member of the club. However, the POS states that members who are temporarily without a home still can use their points at other resorts during the interim. IMO, HH and VB are at the highest risk of such issues but still not that high.There are other differences in ownership, if a disaster like a hurricane or fire destroys your home resort, or even just the "unit" in which you own, you could be prevented from using your points until your unit is rebuilt and re-opened.. If DVC decides it is too costly to rebuild, or or isn't worth it (like if it is fairly close to the end of the contract) you will receive your percentage of whatever proceeds are received from insurance, and you'll no longer be a DVC owner. There are a lot nuances and "what ifs" some of them highly unlikely, but still possible.
I've been one of the buy where you want to stay people over the years but have changed somewhat recently due to changing information and economics. IMO, the price difference has become large enough to make the risk worth it for many people to take the chance at the 7 month window esp for buying SSR and possibly OKW extended. You're talking a potential $35 a point difference currently for a 6 year difference in RTU with no real anticipated long term difference in fees. HH and VB will still likely be more, esp VB. BLT may cont to be a little less simply because the fees are spread over more points. If you want a specific resorts almost every visit and/or a difficult to get time or room type it still may be worth it to spend the extra but for many it is currently not. At $20 a point difference it made sense to buy the planned destination, it may not at $35 a point differential.
I say SSR and possibly OKW because they're cheaper to buy resale, likely will have controlled if not lower fees long term and you can still reserve your trip at 11 months out then WL if necessary at 7 months. And as others have noted, it's not necessarily an all or none as you can have some points at one resort and some at others.