As far as cost effective, I think it depends on how many pts you're adding on--resales have the closing costs to factor in--for some of them, that raises the cost per point to about what you pay thru Disney.
If you buy an add-on through Disney, you get the same use year as your other contract(s). But if you buy resale, you get whatever use year the contract has.
We're paying $95 a point and I don't believe we're getting an $8 incentive.
Disney did give us 1,280 towards our downpayment and no dues of course till Jan '06.. Our payments don't start till Sept. We just signed the final papers last week.
Yes, 160 points! My guide never mentioned it..just the down payment. I saw people were paying 87 a point and was wondering how come I didn't get that deal.