That contract is stripped of 2024 points. So…
$115pp/16 years = $7.19pp
Amortize closing costs to $710/25points/16years= $1.78pp
So: close to $9pp + $8.67 in dues = $17.67pp ish (not including opportunity cost).
OR… $3,468 in dues (+inflation) + $3,586 buy in = $7054 lifetime contract cost
5 SV studio nights over 5.3 trips = 26.5 nights.
$7054/26.5= $266/night. Walk away…. Math done.. put the points in my account….
BUT…. those SV studios are a knife fight at 11m (except for late July/August) and you don’t have enough points to pivot to another category if you are doing an every 3 year bank/borrow…. so it’s a risky move….
Switching it to GV/BW jumps the cost to 19 points for night… and 75 points gets you 3.95 nights…. 1 frickin point short of 4 nights (76 points)….. whoever created these
points charts…. just cruel… they really need to have 11m OTUPs….