Okay. As some of you may have seen, I’m seriously considering this for the first time. I’ve thought about all the other factors that you all suggest, so leave those aside for the moment. From a purely economical standpoint, tell me if I’m crazy for thinking about it in this way:

If I buy 200 points resale on a contract with 35 years left at $125 per point (I’m rounding everything for ease of math), then I’m buying 7,000 “lifetime” points for $25,000. Add in $1,600 for annual dues per year (forget about inflation for a moment) and the total cost comes to $65,000. Take that $65k and divide it by the 5,000 points and I’m basically buying points at $9.50 each. Current rental rate is $18-19, right?! So buying now on that contract provides significant savings over the lifetime (and I’ll make an assumption that dues will inflate at more or less the same rate as renting points). Am I missing something here?

Alternate scenario is I buy direct from Disney 125 points at Riviera for $200 per point and 50 year contract (again, rounding). That’s $25,000 now but $1,050 dues over 50 years is an additional $52.5k, so a total buy in of $77,500. 6,250 “lifetime” points then cost $12.50 each, also a good deal but not necessarily as good as resale (and presumes that I intend to celebrate my 90th birthday in the bubble…).

Am I spinning nonsense here? Or have I just calculated my way into a pretty airtight argument to convince DH we should move on it? (Again, setting aside the value of investing those funds instead)