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I am so glad I posted and got honest answers... now, I won't waste the money. :)

Thanks so much. That is good advice!

Was it worth it? Did you find out anything you didn't know or anything that you found helpful to know?

Thanks for all the help!!! I sincerely appreciate it. ...one more question; I have heard the down payment is about 10% (is that true) and when is that paid?

Thanks so much, DisneyBill! Will do. :)

Can anybody tell me if they have signed up for the DVC while on the cruise, and if so, how easy/hard is the process? Thanks!