Right so I thought i'd do a few calculations to see how much it would actually cost me. This is assuming that we buy before we next go which will probably be 2016 now. Instead of spending £1500 on a villa or £2884 in a 1 bed at OKW with 'free dining' we would need 378 points to stay 12 nights in a 1 bed at AKL. Cleverly avoided 2nd weekend when we would go to US for a few nights. This would be an unusual rental as from then on i anticipate just Jon and I and a studio will be fine so 200 points to be purchased. so 200 points at $80 resale $16000 = £10666 based on exchange of 1.50 annual dues 200 x $5,97 = $1197 £796 per year so over 40 years- cost of lump sum = £266.65 per year and dues £796 = £88.55 per month for at least 12 nights per year i know i've missed closing costs but they are minimal compared to the whole outlay. Any thoughts?