Plus there is the time value of money factor. $4000 right now is worth a lot more than $4000 in 5 years, 10 years and especially 20 years. So the $14 a night you are saving really isn't a saving ($4000/149 =$26 more a night, 140+26 = 166. $180 average a night via discounters - $166 = $14). Plus if I understand correctly the ai fee can increase annually by a certain %. So the key for me would be several items mentioned above... - do I visit more than once a year so that my nights would be used up much faster than 21 years - do I visit in peak times where I couldn't get $180 a night via the discounters - do I value the perks - do I value last minute reservations (not sure if/ when guarantee reservations apply to you)
Also for us it is important if/how many beneficiaries that you have on your contract. We have five that can book at the better price, which certainly allows us to go through our contract nights faster.
We bought and intend on going 2x per year (split each trip btwn TTR and DRM) and our Pay Back Period will be 3 years. AI fees cannot rise more than the inflation rate. Which (if I remember correctly) historically runs no higher than about 3%. Plus lots of nice "Members with benefits". We obviously think it's worth it. PM me for more info if you want.