You haven't provided enough info for us to really know if it's a good idea for you so I'll just make some general statements. DVC is a reasonable choice for those who have an established history of going to Disney staying on property moderates or above at least every other year, can plan at least 7 mo out (better 11 esp at BLT), can pay cash, don't have other consumers debt, are OK with the compromises that timeshares bring (no housekeeping, not quite as dlx as dlx hotels) and who value staying on property enough to pay a lot more regardless of owning or not. Please note that it usually takes a few months to get enough info to make these decisions well so you may want to slow down, maybe rent and try out DVC for that trip you have in your sights now. For resorts you can buy at a significant discount, it doesn't make sense to buy direct from Disney in your situation due to the large savings resale and fact that the lost items don't provide true value, just buy the points you'd use at DVC resorts. Do realize it's possible for DVC to make a lot of changes like change the number of points for your trips and add restrictions to resales retroactively though the core options to use at DVC could not be affected legally. Do not buy for exchanges including RCI. Unless you'll stay most trips at BLT you may want to look at a cheaper option, but it should be one you'd be happy at if you can't get anything at 7 months out.
Please note that there are a number of timeshares off site just as nice as DVC if not nicer in some areas and that are much better if looking at non DVC vacations. Good luck with your investigation and decision.