Just remember, this is a pricey and long term investment, so do your homework and make sure you will be visiting Disney for the next 50 years. On average, your dues will double every 15 years or so. This means that even after you pay off the initial cost of the points, you are still paying Disney for your room in the yearly fees. if you start by paying $1400 a year in dues now, then that means in 15 years it will be almost $3,000. In another 15 years it will be $6,000 a year and then in another 15 it will be $12,000 a year. As an example, this is what 200 points at Copper Creek will cost you over the course of 50 years.
200 Points = $38,489.3 (If you pay cash up front)
Initial Monthly Dues = $1485.96 (5% average increase every year)
Monthly dues by year 50 = $16,228.66
Total monthly dues paid over 50 years = $309,596.79
Monthly dues plus initial investment = $348,086.02
Average price paid per year of ownership = $8,702.15
So, ask yourself. Will you be spending $8,702.15 per year for a room only at Disney? Granted, prices of rooms will go up in the future, just make sure you are making a wise investment.