Oh I hear you there about commitment! When we went down in 96 for our honeymoon we talked to a DVC rep, which back then it was very new...Well as a newlywed starting off and with a morgage somehow it just did'nt feel right, finacially...although I don't think anyone is ever where they want to be moneywise..LOL but many years later we took the plunge....and if the hubby tells me one more time" well I wanted to join but you were too scared"!! YES I was!!!!! COMMITMENT!