If you're considering resale, the other thing to consider (in case nobody's told you yet) is that, at a certain point, the deed to your resale reverts back to Disney (unlike traditional resale, which you own pretty much forever as long as you don't default on your maintenance fees or something like that). How long you have your deed depends on which resort. The newer the resort, the longer the deed lasts. Between the length of the deed AND the cost of maintenance, buying Saratoga Springs will probably, usually, be the best value, though it's location tends to make it one of the less-popular DVC resorts.