My wife and I bought a Marriott property in Orlando 5 years ago and will have it paid off in 3 months. Even though we are very happy we bought at Marriott rather than onsite (we had initially intended to buy DVC when we went down to Orlando), we have always said that once we pay it off, we would buy at HH or VB. Now the question becomes which one. We've stayed at both and enjoy both. From a financial apsect, is one preferable to the other? I would definitely be interested in knowing whether either carries ownership as opposed to a lease like the onsite properties. Are points at one less expensive than the other? Does one require a lesser minimum? IS one harder to get into than the other? Any special perks with buying at one or the other. We'll be staying at HH next week (it's funny--I prefer it to the Marriott proerties where Marriott has its dominance) and will probably stop by to get some of our questions answered by a salesperson. However, probably more valuable than the info I get there would be input from current members. Any help/comparisons would be appreciated.