I had forgotten about guaranteed weeks! Okay, that was the tipping point for us.
We just decided to pull the trigger on CCV. We bought 236 points, in 2 118 point contracts (easy to pass on to our two children), with Fixed Week 47 (most years, that's Thanksgiving week) for the first contract and Fixed Week 48 (end November to first weekend of December).
It does mean every now and again (I think 2029 is the first time we have to worry about it), Week 47 will fall AFTER Thanksgiving. But the vast majority of the time, this will give us Thanksgiving and the first week of December, and that is such an awesome period to lock in.
I DID debate trying to secure TWO studios for Week 47, so that I could leave Thanksgiving week for each son, or guarantee 2 studios for all 4 of us. But they are now 16 and 13, and thinking that if we do Thanksgiving with them, we'll take our chance with booking them an extra room or upgrading to a 2 BR. I am selfishly thinking of that period where my husband and I are traveling alone in 5+ years and/or retired in 20+ years, and having those two weeks in Disney in a CCV studio guaranteed is just so sweet. Does mean the boys will have to figure out who gets what week when we pass them on.
Now I need to go back to our finances and figure out how to balance this in. I was able to get approval to spread it out over 90 days on my Disney Visa, so I'll get 0% financing for 6-9 months while I figure things out. May need to actually sell one of our existing contracts to help pay for this, and/or back out of one we have submitted now to ROFR, since I was NOT expecting to spend this much at this time, but this was too good a deal and gives us the direct benefits and guaranteed weeks, so I couldn't resist.