Thanks Dean. I love reading your email replies and learning from your experience. The number 1 reason we bought without extensive research at DVC is for the kids. We know they love Disney because they asked us for Mickey watches for Christmas. We feel they have already lost half their life without parents, caring and love. I used to go to Walt Disney World three times a year as a child and it is some of my best memories. We already decorated their room all Disney and had a Disney-themed Christmas with them by Skype (sad but true - no kid deserves to be orphaned but at least they finally celebrated a Christmas with parents - us!). I decided I only want to stay in the parks at Disney because my worst memories of WDW as a child is the parking. Even as a kid, I hated staying offsite and the driving, traffic, crowds and parking far away. I hated the long lines as a kid too. We could never afford to stay onsite when I was a kid. When folks told me I need to take the kids to Disney, I poo-pooed it at first because of the bad memories of crowds and parking. Then I thought, if we can stay onsite, I would have a completely different experience - extra magic hours, airport transportation, member lounges, monorail, ability to take a break during the day in our room, etc. Now that we have the means, we can afford to be DVC members and the benefits of staying onsite alleviate many of my concerns about going to WDW. So we bought 470 points split between 5 home resorts last year to prepare for the kids arrival. I feel fortunate I discovered TUG and learned about the resale market. It would have cost $30,000 more to buy all the points we have now if we bought them all direct and also based on the recent price increases in both resale and direct points. I already booked 16 days of Disney vacations and got exactly what I wanted in terms of room categories and dates (with a few points leftover to bank in our 2019 use year) and purchased four Platinum Plus annual passes with last year's 25% discount, with the hope the kids will be here soon. It is great that we can activate the annual passes as late as Dec 31, 2018 but paid 2017 prices. We are planning two WDW trips out of our annual passes (one at the end of 2018 and another in summer 2019). I would never rent this many days for the same price we pay as DVC owners, nor would we be able to rent exactly the same days and room types we want without being owners at the various home resorts we chose. With an average price per night of $1000 (or more, esp for 1 bedrooms), 16 days in mostly 1 bedrooms would cost about $16,000+ retail - which is a huge percentage of what we paid for the points. The annual MFs on our points is only about $3200 a year. In the worst case, if we do not like a particular home resort, we will sell or rent the points. Points rent for about double the MFs. In the best case, we can start making magical memories with our kids this year. We have no regrets because DVC is one of the most stable timeshares on the market, even though it is also one of the most expensive ones.