Except using cash or using points doesn't give you a
different ride. It's the same car. You just went thru a different sales person.
This is just a general comment - not specifically at you Sammie because you're not the only one who just wants to use their points. But some seem to take the "poor financial use of points" and morph that into "you can't tell me what to do with my points". But it isn't that. Every person should definitely do as they wish and even work out the financials themselves but in talking about the majority of exchanges the numbers over and over point one way - that an owner could rent out points and pay for the
same product they would otherwise exchange for and almost always end up with cash left in their pockets. IF one wishes to disregard those numbers that's fine but there are a lot of people that wouldn't want to and may not even realize the possibility. Some specials pop up now and then but if one cares about the maximizing
financially what they get from their DVC exchange it's not badly given advice to consider and for owners to work out the numbers for themselves.
For me, besides running numbers and seeing I could have cash left I also do not like the limited flexibility that an exchange comes with. If it were a better deal then maybe I'd still do it but I'd be more likely to pay more for the same product if it had the "flexibility" option as part of the package. That would be my luxury premium.