Not apologizing for it being an EOYE, apologizing for miscategorizing.
So this one won't go for $99, but it's definitely worth taking a look at. If you get it for, say, $1500, then at $214 maint fee savings over Bonnet Creek, you recoup that up front investment in 7 years and after that you're saving about $400 on each EOY use of the points.
I see the logic behind your strategy so for me at least- the way I am paid it is far more comfortable to pay smaller upfront and pay dues annually ( my retirement package makes that possible in one shot- no streching it out monthy just done- I get a decent-sized lump sum each December.) As far as recouping investment over 7 years is not my objective. My objective is to have at least one week's vacation paid by maintenance/dues for less than I would lay out in retail hotel fees...That's it whole goal.
Here is why i am ok with dues for Palm aire $99 contract-
This is the hampton inn nearest my sons job-
Honors Discount
21 Nov 2021November 21, 2021 $242.00
22 Nov 2021November 22, 2021 $242.00
23 Nov 2021November 23, 2021 $242.00
24 Nov 2021November 24, 2021 $335.00
25 Nov 2021November 25, 2021 $335.00
26 Nov 2021November 26, 2021 $335.00
Total room charge$1,731.00
13.00 % per room, per night
Total taxes$225.03
Total for stay:
$1,956.03
Again not arguing just here is my rationale- for bonnet creek
Bonnet Creek contract sale price, annual dues would program fees ect would have given me 7 days for under $2000- considering what paid cash this year in Orlando alone it would have been a savings- and pre-paid without touching a credit card. Yes, the lower dues pay off over time but I do not want to access a savings account or pay interest on my credit cards.
Contracts that are a lower outlay of $99-500 means I can pay it immediately without destroying my monthly budget. My goal here again is only prepaying my hotel prices-
Who knows maybe something will come up in December that is both in my price range with great maintenance/dues.