We have owned for a few years. Every time we go to book a reservation even if we do it a year in advance there are no availabilities.
The last 3 vacations we have tried to book have had no vacancies and we end up paying for accomodations. Not only that but we still have to make our monthly payment and pay to stay somewhere else. We have a like 50,000 points saved because we cannot seem to get a reservaiton to use them. Even at that we have to pay to save the point that we should have been able to use.
CRAZY... Just don't buy take your money that you would use for payments every month and just pay your own hotel bill...
Monetary Loss: $15000.