I've now begun researching TS other than DVC. I finally found some info that says I need 118,500 RCI points for 2 bdrm at most DVC resorts for week 52. We will always need a 2bdrm or larger, we will almost always vacation right after Christmas and want to go to WDW. We may occasionally want to take small weekend trips to somewhere within a days drive from central NY, or to go visit family in other parts of the country. I know this will take a lot of points no matter what TS company we go with, but I can't find anywhere that will tell me how the individual TS companies convert to RCI points so I can figure out how much we would need. Does this makes sense? Also, I talked to a person at a timeshare resale store & they said exchanging into Disney is virtually impossible. I don't know if this was because he would make a better commission on DVC, or if because it's true. Any advice would be spectacular! TIA!