we pay 600 per year in dues. (for 170 points) We planned on going once a year, a week each time. (Just what we had been doing before DVC.) Instead we ended up doing 3 trips in 10 months on annual pass, all with those DVC points (and a extra trip to Vero Beach a few months after that on points too.)
With banking and borrowing you have a lot of flexiblity. We really need more points, but with other expences (new baby, new addtion on house, new mini van) and Mrs. PhD being laid off from her part time job, it is not in the books for this year or next. So we are borrowing points alot, but hey there are a new 170 points every year and you don't waste any that way. I see an add on of 50 to 100 points in our future someday, resale. More points does mean more dues.
If you do studios you can really strech your points. 1 bedrooms and up, use up points fast, and they are about double on the weekends.
We added it all up and divided it over 40 years it comes down to around 5$ a point. (you can rent for average 10$ a point.) We just stayed at Vero Beach 5 night Sun-Friday for total of 50 points inn room, ocean view. Not bad I think.
How much you spend on each trip really depends on you. Some people do it much more economically then others. 3 trips in one annual pass, keeps the park rates down. Air fare adds up. We did credit card points our last trip and that really made it cheap.
You do save a couple hundred on food by stopping at the store and using the kicten in all DVC rooms.
Also, you can buy resale for much cheaper then the SSR 95 per point right now (link at
www.disboards.com DVC forem. Timeshare store I belive, but there are others.)