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We own both Marriott and Disney and have for nearly 20 years. Both are great programs but MVC does offer more options and continues to expand the program, where Disney just keeps building more at Disney. They do have other options but they aren't available if you don't buy direct. MVC gives booking priority to those that own the most points and you really need 6,000 + points to fully access the benefits. They also give priority to those that bought direct. Disney has a home resort priority. If you buy at Beach Club, you can book 11 months out and at other resorts in the system 7 months out, so if you want DVC buy where you want to stay. If you don't buy direct from either, use is limited in some ways. For example, if you buy MVC resale you can't convert to the points program. For Disney, you wouldn't have access to their cruise line. If these don't matter to you buy a resale. We have 3 weeks of MVC bought direct and 1 resale. We also bought a small number of points. Our 3 weeks can convert to destination points. The 4th week can't but it trades for 130,000 rewards points annually and that's what we bought it for. We love the programs. We've spent a lot for this and Maintenance fees are high but we bought this instead of a second home and after 20 + years I don't even care what we sell them for when we're done. We've had some great vacations and with more than 15,000 MVC points (equivalent) plus Disney we still seem to have to borrow points every year. We spend at least two weeks a year in St Thomas and two in Marco Island, plus a couple of weekends in NYC or DC, and a vacation or two for our kids. No regrets here