The points for DVC allow you to have a long term lease with Disney. The points can be exchanged for cash via a seller.....and the prices will vary.
Just remember, you will need to know when the lease is up (RTU), because some points will have less years to run on the lease. And the prices for each property vary....Vero Beach & HHI seem to usually cost less than the points backed by the newest units on the Disney properties in Orlando.
All DVC properties have excellent raves by their owners and exchangers from II system. A few complaints indicate small units, and non elevated access....but that is probably minor.
Disney is allowing current points RTU to extend the RTU period for more $$$ per point. It was determined on the tug that it would probably be better finacially to put that same amount into the stock market ( like Disney Stock) and let it grow.....you will do better.
Each point has a maint fee & taxes attached to it. Points owners have no voting rights as to how the units should be run, because they do not own...but they do maintain the entire properties.
You use of the II resorts will be limited....you will not recieve the big book of resorts...but they will have many II & non-II places you could trade to.
Every Leasee I saw with DVC points has always said good things about it....except a few who think it might cost a bit too much in maint. But remember, it seems all the T/S resorts are haveing big increases in maint probably due a bit to rising insurance costs.
Kenneth K.