Some pointers for a prospective buyer (please!) :-)

[chalee94]

Going every 3 years to WDW you could buy a smaller resale BCV contract (1/3 the needed points for your usual BCV stay) and through banking and borrowing go once every 3 years.

i'd vote against this idea.

when you bank or borrow pts, they are stuck in that new UY. if you ever had to cancel, you would be putting 3 years worth of pts at risk. even the current year pts that might possibly be eligible for banking forward to the next UY would be in a year when you typically didn't plan to travel to wdw.

it's too much risk IMO - unless you go at least every other year, i'd stick to renting.

 

[Dean]

I likely wouldn't buy for every 2-3 yrs and definitely wouldn't do multiple home resorts for that plan unless one is going for an extended stay say 2 weeks. It does not make sense to buy retail for BCV or other resorts where the differential in price is significant between that and resale. Other than for high end options you can't get otherwise and very small contracts (max 50 points), you lose nothing of current value buying resale and can save quite a bit of money. IF you buy in as you've described it, IF you want BCV, buy there and that's from someone who would suggest most people buy SSR resale given the current environment. I wonder if you have enough info and experience currently to make an informed decision as to whether you should buy in and the best home resort. Buying non DVC and trading in can work in very specific circumstances and for very educated people in that area, it is not for the faint of heart and in your situation it may not work at all and certainly isn't reasonable for DVC alone every 2-3 yrs. The reality is that buying non DVC may still be the best option for you to use for non DVC options such as Wyndham for DL. And if you did and were able to trade it, that'd be an added bonus but not guaranteed by any stretch.