Stop kicking!
After many years visiting WDW, we finally wised up and bought at BWV ($70/point via resale). We're in the process of closing at this very moment.
Don't let the earlier prices eat away at you. The deal you got might not be so far out of line with those you see on this thread. Sure, we have fewer use years between now and 2042, but when you take into account inflation, the differences in point price aren't so drastic as they might seem.
In 2003 dollars, $62.75 (1996) becomes $73.50. $65 in 1999 dollars translates to $71.75. I figure our $70/point wasn't such a bad deal, plus we got a slew of banked points. On top of that, we're more financially secure than we were a few years back, which means no interest payments.
If you read through all the purchases reported in this forum, some folks manage to get better deals than others. Hey, good for them! The bottom line is, you're now able to buy something you never thought you'de be able to afford. Relax and enjoy it with your family!