That’s the formula I use to compare “value” between resorts and evaluate the “best deal” at any one resort. For stripped versus loaded, you just adjust the year to reflect how many years worth of points you’re getting. If you’re not paying the maintenance fees on those points, you’d just need to adjust that amount out of the equation.As far as adjusting for whether a contract is stripped or loaded, +/- $13 per point IMO since that's about what they're worth in the rental market.