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For me, I view it as $0. The outlay for the points initially was 20 years ago, no financing, and we've more than have gotten our money's worth, and the monthly fees I consider a household expense.

Two adults, ten days at Boardwalk for $1,500.00 Airfare $0 (SWA points) Lodging $0 (DVC) Tickets $0 (3rd use of Annual Pass) About $1,500 food and adult beverages If I allocated a dollar figure to the freebies it would be $4,300.00 Airfare $500 Lodging ($10,000/32 years plus fees) $1,900...