..."crossover between owning SSR and using for AKV standard crosses compared to AKV value, one would have to use value 2/3 of the time to break even and that assumes owning the lower # of points..." Wow, you really put a lot of work into this, well done! I suppose that is also true at Bay Lake (using the 11 month home advantage for standard view, vs using 'cheaper' points at another resort to book Lake view or Theme park view at 7 months. I did consider this at Bay Lake, but NOT at AKV Value rooms. Why? because again I based on what I heard about the headache of trying to get those Value rooms. If they are SO difficult to get (even at 11 months), I didn't see how owners could take advantage without a lot of stress each trip. I don't know the exact number of value rooms at AKV vs regular rooms, but I believe it is a very small percent. Still though, I like the idea of paying lower MF's, because over the long term (assuming you don't sell), that is where owners will spend most of their money vs. the initial buy in price, so if you ARE a big AKV fan, why not buy SSR and simply relax without worrying about how you can try to grab those value rooms? Heck, you could even go for Safari view or club level and not have the stress of that 11 month, 'click the mouse fast or miss out' headache?
Theoretical example:
Resort 'A' is $100 a point for 100 points, so while initial cost is 10,000 (not including transaction fees); the MF's are $6 a year ($600 each year) and also increase at 2-4% each year. After roughly 12-14 years or so, wouldn't the MF's have cost you (not adjusting for inflation etc) even MORE than the initial 'buy in' price? If so, imagine owning 20, 30 or 40 years?
Resort B is 115 a point for 100 points, but IT has MF's of $7 a year, also with the same 2-4% annual increases With that in mind, maybe the MF's would be a far greater concern regarding cost, than the initial cost PP?