My wife and I went through their whole spread, I am a very rational sensible person heres what i took away from it: I grew up at Disney to the point that no maps are needed and would like my children to have the same experiences. If you sit and do the math and calculate rate changes and inflation it does pay off after you reach that break even date. However you have to want to pay for grossly over priced accommodations. I don't complain about the pricing of a villa at kidani for 700 a night but I know its over priced. i also know what a villa at cesars in Vegas costs and what you get for that money which is a lot more. It's a very nice room you are getting with dvc not worth a mortgage payment for one night stay. That being said if those are the rooms you wish to stay in it can be financially beneficial. I'm more practical than that to pay for enough points to stay where we wanted it was a 48000 proposition. When you add the cost of taxes and fees every year over a period of 30 years we would spend nearly 100,000.00 now granted we weren't buying in at the bottom with this rate it made me stop and think. The economy is in the crapper so we all know what real estate looks like. Well for 150k you can buy a house on the water in the keys. These houses are rentable with a site like vrbo for 1500 to 2000 depending on season. We decided to go that route. We are a little less than a year in and we have rented the house out 32 weeks and used it 4 ourselves. At the rate we are going the house will pay its self off in 3 more years. It will generate enough income to fund our vacationing and provide me with a place to fish whenever I want. Now I realize most people are not in a position to afford to purchase a house like this the way I have, however are they really in a position to afford the dvc then? Because over the long haul you are spending the same $. These are just my two cents.