We have loved ours. We got into it a few years ago when we wanted to take a big vacation at Christmas with my sister and her family. When we looked at the cost of what it would take to stay as a group it was a pretty big number. When we started looking at DVC and how much it would cost to get in, it was not very much difference from just the one time trip at Christmas (because of the higher cost of going there at Christmas). Since we knew we would always want to go every few years, we just did the math and figured that even with an increased annual fee, it would still be less than paying for each trip. That only works out if you are staying in the expensive places like Bay Lake, Boardwalk, and the other so called high end resorts. You can do Disney for much less with Pop and Port Orleans, etc. They are great places. Disney doesn't really do anything bad, which is why we love Disney. For us it was that we loved The Boardwalk because it is a short walk or boat ride to two of the parks. That is pure convenience and less time in transit. Since we liked there so much we estimated that it would be less money after three trips to own DVC. That is just what works for us. There are pros and cons to it, so make sure it works for you. In this case, it really worked out well because, I didn't have to come out of pocket tomorrow for the hotel. It's kind of like an escrow for your Disney vacation. If I had to pay for it when I was there next week, I probably would not be going....no, I definitely would not be going.