I agree that not everyone should take a home equity loan out to buy DVC, I never said they should. I merely suggested that it is a good option for those of us who know how to handle our money in a responsible manner. I also supplies several reason why at this time it might be a good option, one of the main reason being the interest rates at this time should be very low when compared to a personal loan.
I think the real issue is when you say
"NEVER involve any loan against your home". I don't agree with this statement for the reasons previously stated. I also don't think it's a good idea to say "never", you just never know when you might have to walk it back.
If you don't agree that is fine, that is your right to have your own opinion and one of the many great things about living the USA, freedom of choice.
I just have a different point of view. To each his own.
Wishing you a magical day.