Some of us enjoy these discussions and calculations. Geeking out to financial analysis and risk isn't everyone's idea of a good time.
But as Dean said, DVC hasn't been a blessing for everyone. And as I just said in another thread, right now there is probably someone trying really hard to justify this purchase, that will justify it on people saying how wonderful it is, where it is going to come back and be a regret. I try and remember that there is a young couple out there, that loves Disney, that is planning their lives together with nothing but stars in their eyes, without a lot of financial experience, who can JUST BARELY afford this. And three years from now when they are trying to figure out how to pay for daycare for surprise twins, DVC is going to be a millstone, not a blessing.