In short, buying DVC allows you years of superb accommodations for less cost than what a cash outlay would be over a period of years. How soon you would make up that difference depends on several variables such as cash room discounts, number of years you plan to keep going to Disney, where you buy (some resorts cost more per point than others), how often you visit WDW, and whether you buy direct or resale to name just a few. It is true that DVC members don't get daily mousekeeping services; in your example, you'd get serviced on day 4 (though you can pay OOP for daily service). For us, that's not an issue since we keep our room picked up and re-use towels. Further, you will not have the concierge level of service at the check-in desk nor any sort of food lounge.
Given your trip habits I'd assume that finances are not an issue, that you could pay cash for a DVC points package. Then it comes down to whether DVC offers enough benefits for the compromises. Given you're used to concierge and the upkeep of the YC, you need to be sure you're prepared for less stellar upkeep and a lower level of service than you've been accustomed to including, but not limited to, no daily housekeeping. Certainly a DVC studio will save you money in about any scenario you can come up with for your situation and you can likely get to a 1 BR for around the same you're paying now or maybe even less. Once/if you decide that DVC makes sense in general terms, then it comes down to home resort choice and contract size. IF YC is important to you, BCV and BWV may be your first thoughts. BWV will be much cheaper, esp if you can use the standard view villas.
Personally I don't think you'd like it - if you stay concierge you obviously like the Coffee, food, personal concierge services and the mint on the pillow.
With DVC - there's not only NO mint on the pillow - a vacuum resides in the closet
- you're at a different location still doing the same housekeeping tasks
Perhaps I'm just not a neat freak, but I don't vacuum every day at home, nor do I clean our bathrooms every day nor even--gasp!--make my bed every single day. I wash my own clothes and don't prefer mints at all. I guess DVC suits me just fine.
There's the beauty of DVC to Disney--they rope us into coming more often!Preach it, brother.
To the original poster's question, as a family that stayed at deluxe on cash for years before deciding DVC was the way to go- DVC isn't quite the premium product that a cash concierge experience is. But it is a larger accommodation at a lower price, still in the deluxe location.
My family likes Disney well enough that we decided to reallocate our funds: DVC allows us to pay for airfare and tickets more often than we could have, while staying in the same resorts with moderately less service. It was well worth it in our circumstance, and I don't regret the decision at all. We were able to double our yearly trips for no additional yearly net cash cost. If we hadn't increased our visits, then our annual Disney expenses would have decreased considerably.
But no doubt, DVC villas aren't the same experience as a cash concierge stay. Only you can decide how much value that holds.
Your comments are spot on. No, the concierge-like service doesn't exist with DVC (then again, I never was told or assumed it did), but the accommodations have been excellent in my 10+ years of ownership; the flexibility of vacation timing and locations has been very good; and having a washer/dryer and kitchen in most of the suites we stay in has been a real boon. DVC isn't for those seeking the lap of luxury, but it certainly works (for us) in terms of deluxe accommodations, comfort, convenience, and variety. Perhaps I'm just not a neat freak, but I don't vacuum every day at home, nor do I clean our bathrooms every day nor even--gasp!--make my bed every single day. I wash my own clothes and don't prefer mints at all. I guess DVC suits me just fine.
. When they come for trash and towel day, I try to head them off at the door and sometimes just ask them to give me clean towels, but I tell them the service is not needed. 
. So, we knew we needed condo type accommodations with a bedroom for us parents separated from where the kids would sleep (and once they hit the teen years, we needed 3 separate sleeping spaces to separate twin DDs from DS so we started getting 2BR villas). We also like to be able to do laundry. We only use the kitchen to make coffee and keep other drinks in the fridge...we do bring in continental type breakfast foods too so that we can eat and run off to the parks in the morning (teens sleep through breakfast and head out in time for lunch most days). Though, DS's last trip was in Dec...so he says (he is 17). So, we will be going back to the 1BR if it's just the 4 of us. I look forward to saving those points.
True enough.
