We bought on 9/10 to take advantage of the great incentives. We have a Feb use year so no option to sell back 2022 points but opted to sell back the 2023 points. I think without the MB on top of the other incentives we would not have bought direct for 150 points. The membership extras is not as valuable to us since we like to alternate DW, Disneyland, Disney Cruise and possibly Aulani. We would have most likely still bought direct down the line but probably just 50 points to have the ability to book Riviera, Disneyland Tower and other future resorts. Im still glad we decided to purchase. I do think we might not see the direct prices go down as low as they were (would like to be proven wrong for sure though!)I still can't decide whether to proceed with a contract... for all that got the great summer incentive...would you still have bought if you were not given 2022 points to sell back as MB(Not given option of Oct or Dec UY)? Selling back the 2023 points is the only way to keep the point price down, but I would be looking at no points until next June. Not sure what's holding me back, the use year or it seems I'm not over joyed with VGF. Do I have FOMO and would I really be missing out if I walked away?