As you can see from my signature, we go a lot and prefer to stay on site. Since our first contract in 2006, wI don't think we have 'paid ' for a single Disney hotel room except in 2012 when we got married and spent 4 night at the GF. We chose DVC because we could see the potential for saving $$$. Some of the US members use fancy spreadsheets to show that there is no real saving but they are not comparing like for like in my opinion and they also take into account discounts that are harder for us in the UK to achieve.
Let's just take my next trip. We have 410 points in 3 contracts (150 +160 at SSR and 100 at BLT) + 80 BLT points banked
9 nights at BLT, studio
6 nights at BCV, 1 bed
8 nights at OKW , Studio
I still have 49 BLT points to bank. I checked on the WDW website and this came to £16,000. That's right £16,000. My husband likens my ability to eek out our points to the loaves and fishes.
We rented out our points last year and some of the year before's which paid the dues for those years, this year and next year. (Through Disney Gift Cards). I spent £26,000 in total for these points, (great exchange rates for 2 contracts). How does this not make financial sense? There's no way, now that I'm reaching retirement, we could afford to spend so much money on deluxe resorts. We're heading to BLT and OKW in 2026 but then giving it a rest until 2028 or 29. We will rent out our points to cover dues.