It isn't the best contract ever based on points avail and price BUT the subsidized dues will add up in savings over the 40+ years so you have to factor that in and decide based on that.
Our contract was loaded but not subsidized but in the end it allowed us a Xmas 2 Bd oceanview for "free" which would have cost us 8k to rent (which we've been doing) and a retail value 50%+ more than that so divided over time, we felt that the dues weren't a breaker for us.