You wrote "Disney leaves the "annual increase" amounts completely open to whatever they want it to be." I'm not sure thats the case; isn't there is an annual meeting and dues are decided then? Also I'm not sure how accurate that chart is, but again, when you project decades into the future you need to be careful; while $800 a night for a room may sound crazy to you now, consider what a room cost anywhere onsite at WDW in the 1970's - about 40 years ago - then look at that price TODAY. How much was a room in say the contemporary in 1978 vs a room at Contemporary in 2018? I think you will find that the prices that Disney can get away with charging - and people are STILL WILLING TO PAY, are astounding. As long as demand for a product increases, a seller can raise the price...Read the original post. The poster said he/she didn't think "most people" gave enough consideration to MFs. I was responding to that, specifically. We considered buying DVC a couple times. Went on the tour, got all the books, etc. MFs were downplayed by the guides AND the book. Future increases were noted in tiny fine print. I never seriously considered their impact on the total cost of owning. I had to do the math myself to get an idea of what we were looking at spending over the long term. When you hear 3% increase in MFs per year, and MFs are in the vicinity of $5, you shrug like "eh, that's nothing."
Your table illustrates the potential problem with MFs. Disney leaves the "annual increase" amounts completely open to whatever they want it to be. Unless I'm wrong and your contract states that there is a maximum percentage they will raise them. Using your 5% scenario, your nightly cost of a studio jumps up to almost $800! That's insane! What happens if Disney decides MFs are going up 8% one year, 10% the next year, etc? You are at their mercy.
We decided DVC wasn't for us. I have a real problem with how Disney markets it as a way to save on vacations. It's not. Why would Disney want that? DVC is lucrative for Disney, not the owners.