What is your thoughts on it if you are past break even?
Look at it this way.
Suppose the math was extremely simple.
DVC costs $1,000 to buy and dues are $100 a year
All rooms at WDW cost $500 a week, on one years points
A cruise is $800 cash, or two years points
I can rent out my points for $450 a year
OK, I KNOW these are not real world number, they are simply to illustate a point.
in year 3 I have "broke even" having paid $1,300 for $1,500 of vacations (forget the time value of money)
Next year I want to go on a cruise. I can go by points or cash
Cash costs me $800
Points costs me two years of vacations
Those vacations are "worth" $1,000
I can also rent out those two years worth of points for $900, pay for my cruise and have $100 cash in hand
So it is "worth more" to pay cash. However if you are not planning on using your points for vacations, then all is good.
You also have to question if renting is worth the hassle of the extra $100
The point is, if you want to use points from time to time for cruises (or ABD or even non-DVC rooms) that is fine, especially if you were not planning on using the points for sometthing else. The "profit" made from renting them out and paying cash is often not worth the effort.
However, if someone purchases a DVC contract solely with the intent of using it to pay for cruises on points, year after year, they would have been much better paying cash for the cruises.
-dave