When I first gave her the info I offered that as one of the options. The first thing she said was, "why would we buy more points at a place where we don't want to stay? "
So that got completely tabled.
My angle is that we will go for something that will be able to let us go once a year for a week and if we decide not to go for a full week or we decide to go somewhere else that year we can either rent the rest of the points or bank them.
The difference between our partners is that S just asks a few questions and goes along with my "suggestion."
Now that I am being more frugal with my points, the Sunday - Saturday stay looks quite nice to me!!
I know that your DW is concerned with end date, but from personal experience, vacationing styles will change a lot. The next 5 years are probably going to be your most WDW-heavy years, and then you'll probably go back to more varied vacation destinations and styles. So rather than weighting the cost of each point the same over time, do give your preferences in the near term 5-10 years more weight. For example, we are still likely in strollers for another 3-4 years, so resorts within walking distance to a park were preferred even if we, the grownups, might have also considered other resorts (BRV/CCV, or AKV for example).
2019 will be telling for us, because it will be the first year we will be settling into using our contract as we'd originally planned (once a year), since it came with a good number of 2017 points as well. So we had a 16-month hiatus from Disney between April 2016 and August 2017 (split stays), then February 2018, November 2018, and likely summer 2019. We really missed Disney on our 16mo hiatus (probably the longest stretch since having kids), and were still looking forward to going back in February, even after our 2-week Disney extravaganza.
I guess I'm just saying that with 1 kid entering peak Disney love, and more flexible schedules, I could see you all going to WDW more frequently rather than less in the near term, possibly for shorter trips than we take, and it petering out a bit in 10 years or so if your DD has a lot of activities keeping her home over school breaks and stuff. Even at age 6, our ODD is easy to take cross-country for a long weekend; shlepping 2 including 1 still in diapers is a bit harder.
So that's why I don't weight end date purely financially- 10 years from now our traveling styles will probably change a lot again, and if so, we can rent out our points, or buy or sell another contract.