We made an informed decision, but I do regret the lack of flexibility, as far as staying at the non-Disney properties for less than a week, and at a reasonable point cost. I guess the only thing I did not completely understand was how the Concierge Collection properties were not very good values, as far as using points. We like Disney, but unlike most on this board, we don't have "Disney fever", so to speak.
Still, we knew what we were getting into and we just love Vero Beach, so we made the decision with the understanding that we would re-evaluate in 5 years and possibly sell our interest then. So far, we have enjoyed trips to Vermont, DL and OKW and VB!