I honestly don't even understand adding on the 25 points directly from Disney for the perks which can be taken away, and many people think will be. I know a lot of people suggest that you buy whatever amount you want through resale and a small add-on directly from Disney for the perks, but that doesn't make a ton of sense for most people. The only "perk" we used this last trip was the merchandise discount when we were buying souvenirs which saved us $35. We don't go often enough for annual passes, and the TiW isn't as good of a deal when you go once a year or so. It is $150, and it only gives you 20% off at certain restaurants. That means you would have to spend $750 on dining at those restaurants to break even. It is worth it to some, but make sure you see what restaurants are included, know your spending habits in said restaurants, and know how much you plan to visit Disney. Let's be honest, EVERY Disney vacation is expensive. I would always buy resale, but that's just me. Good luck with your decision.