DVC is a giant scam, just like any timeshare. You don’t actually own anything you’re renting a portion of a year, but unlike normal renting, you have to pay for maintenance! What little you actually save over buying a regular hotel room is completely negated by the gigantic opportunity cost of that first purchase. Imagine if you put that 50-100k in a S&P 500 index fund 30 years ago, you would have 920k-1.84 million. Thats not taking into account the maintenance costs that could have been pooled to take a trip a little less often. Thats before we talk about any loans too. I cannot understand the mindset, especially when year after year the side benefits are reduced.