Just returned from a week with the family (3 kids ages 6 and under, two adults in mid 30's) and am torn about DVC. I love the Poly and always dreamed of staying frequently at this particular resort. I also really like the Grand Floridian and would like at times to stay there. With three kids, the monorail is key for the next few years. Also really enjoy Animal Kingdom Villas and Villas at Wilderness Lodge. My family is fine for now in the studio and if need be we would consider two adjoining studios, so Poly should work. We of course would also like 1 BR at times at resorts other than Poly. At times we might also invite family to stay with us, so again adjoining studios might work at Poly or larger rooms elsewhere. Any advice on whether Poly direct purchase or resale makes more sense? Any views on a good number of initial points for our situation (visits every year or two)? Thanks in advance--this board is so useful.