I have to agree with the low purchase cost making up for a large portion higher annual dues. We purchased Vero Beach at $43 per point last year and based on the spread between VB dues and SSR dues I calculated something to the tune of 15 years before the dues made up for gap in cost per point and that is not including cost of money over time. So far, we got a lake studio at BLT for 5 nights in june 3 months out and 10 nights in a 1 Bed Standard at BWV the week before Christmas. Based on room savings this year we have "Made back" about half our investment and still have the VB asset thay from what I can tell looks to have appreciated over the last year. So if dues were that big of an issue we can always sell and reinvest the money in a lower dues contract. My only disappointment is that I want to stay at the VGF but can never seem to find a reservation that fits my points and availability but I would have had the same issue if we purchased at VB or elsewhere (because lord knows $150 pp is so much more expensive than other contracts). However we still have almost 30 years to eventually stay there so I am not worried 
Anyone agree or disagree?

Anyone agree or disagree?