The point requirements vary WIDELY depending on the season you go in and the category cabin you choose. We are using 392 points for a Cat. 10 on a 4 n. cruise on the Wonder in July, which is a high season (2 adults, and 1 11 yr old). We were able to snag one of the least obstructed SPH rooms which is almost like a Cat. 8!

The cash value for the cruise for this category / date etc. is in the neighborhood of about $3,500 I think (give or take a few dollars). So if you HAVE $3,500 laying around that you don't need for say oh, I don't know, the mortgage, then go on cash. If you buy your
DVC to use as a timehare / any way you wish in order to have pre-paid vacations - use your points! They are yours and only you can determine what's the best use of your cash or your points! For us, it's keeping $3,500 in our pockets that would've ended up being charged on a credit card if we didn't use our points.

That said, I am already planning for our
next cruise in 2012 on one of the new ships! I figured it would take me at least 5 years to save up enough cash for a balcony cabin so that's what I'm doing. $25 / week x 5 years = $6,500 - hoping that will get us a decent spot paid in full! If that's not enough and we need more, then we still have the option to pay cash for 2 of us and use points for the 3rd person!
