My $0.02 worth...
<snip> We walked away...but they gave us a trial week presidents week for $1,000. I'm guessing they will try to get me to sign then. So, I just want to be very prepared. They tried that float nonsense... But I shot that down. So, after Presidents week I will try to negotiate again... Def won't pay 22 after reading this discussion. Thank you guys!
My own contempt for Westgate (the sleaziest company in the entire U.S. timeshare industry, IMnsHO) frankly knows no limits. That admittedly subjective viewpoint aside however, I would respectfully suggest that you consider just renting something for your President's week vacations, rather than buying at all.
As you look closely at the numbers, please remind yourself that
any developer-direct purchase (certainly including Westgate) will be worth 50 to 90%
less in the resale market two minutes after you sign on the dotted line. It's not an "investment" that will gain in value over time --- quite the contrary, in fact.
Moreover, although
you might currently view passing the ownership on to your children as a potential future "gift", the recipients might very well instead regard it (and its' associated ever-increasing and obligatory maintenance fees) as an unsolicited and unwelcome financial burden and obligation down the road, confining and constraining them to one single destination for their President's week vacations.
The fact that Westgate appears fond of "trying to move the goalposts around and change the rules while the game is in progress" only further devalues
any and every Westgate ownership, at least IMnsHO.
The $20k+ you're considering spending would go a very long way toward annual rentals that do
not tie you (...or should I say "handcuff and hog tie" you) to an association with the slimy likes of Westgate.
Just my own thoughts and personal opinion...