We are trying to get a BCV resale right now, I know less than 20 years left, we have been rofrd twice already. We go to Disney on average 3 times a year, half the time staying off property or at value and moderates. I've rented
DVC points a few times and loved the deluxe. I can afford but can't justify a $700 a night hotel room. But even buying a less than 20 year dvc, with maintenance fees just took that $700 hotel room down to $280-$340 during the times of that that we go to Disney. We'll be 71 in 2042 so the 20 years does not bother us.