Something else you might consider is trading in to DVC through RCI. I don't know much about HGVC or if you have access to RCI through that. We own DVC but actually get more time at DVC resorts using our Worldmark points and trading in. We are flexible on dates and have never had a problem getting Saratoga Springs for dates that work for us. Of course, there's the exchange fee and the additional $190 Disney "because they can" fee, but that's all still much less than buying a contract direct. If you try it and like it, you could always look into a resale contract or even buy more points thru another system for trading purposes.