I've been a DVC member for several years, and have used my points at disney resorts, and the concierge collection. I am now planning a beach vacation & I'm not sure I like the options thru RCI - it seems a bit difficult to use & I don't really understand the points exchange. Are most of these resorts "all-inclusive", and does anyone have recommendations for a family of 5 with kids aged 16,13 & 8 ? We're thinking Carribbean - disappointed that Atlantis is no longer an option.