i agree with you that vermont is a beautiful place to be for 8 mos and that there is no reason to spend the other 4 months in the frozen northeast!
that's why my husband and i spend the spring and summer at the jersey shore, the fall in new england [bought a home in maine 14 yrs ago] and the winter in florida [bought our house there last year]. we prefer paying the real estate taxes and amenities fees to paying disney maintenance on our points. we currently have 400 pts @ ssr and use them for a couple of trips to the hilton head island resort or we make reservations for our nieces and nephews to go to wdw.
please check out these two sites for more ideas:
http://www.thevillages.com/ and
http://lylegant.mfr.mlxchange.com/?Page=-1 [this page is for the homes on the historic side of the villages - check out the rest of this site for other less modest homes!]
the villages is about an hour north of wdw and is an easy drive to make. my husband and i often go from the villages down to orlando for shopping - and with our
dvc points we can stay overnight if/when we feel like it. it is a golf cart community that many consider disney for adults [do you golf?]. consider taking advantage of their lifestyle preview program and/or taking a short-term or seasonal rental there before buying all those disney points. one cannot appreciate all that the villages has to offer until they have been there. we love disney but we love all that there is to do in the villages, too. and it keeps disney in that special category as something to look forward to. we would tire of disney if we had to spend 4 mos there every year - but we never tire of our time in the villages - especiallly since it is so easy to visit wdw from there.
must confess that i have no business interest in the villages - just our personal interest and our snowbird residence.