The "problem" is that having DVC changes your vacation habits. We bought at first to vacation in late summer, when parks are less crowded and point costs are low. Well, since we bought DVC, we went last Thanksgiving and didn't die, and loved the holiday decorations and the weather, so we booked a Christmas trip for this year. We had previously gone in April before the kids were in school and also loved the weather then, so we went over Easter break this year as well.** Sadly, I have yet to buy a Gold AP, and won't be doing it this coming year because a 10-day trip over Christmas pretty much locks you into Platinum. Our summer trip next year will be covered by the Platinum (which will probably end up being a Platinum Plus since next year we are going back to late August), so the soonest we can actually buy the Gold pass would be 2020 or 2021.
**in the past, before DVC, we'd looked at cash prices over Easter and Christmas and decided not to go during those seasons at all. But somehow when spending points instead of $$$ it feels less painful. A little.