I agree with Bill that essentially no new members are going to know enough about their long term preferences to know what to expect long term. The only few exceptions will be people who have DVC experience but haven't owned such as family members or second generation buyers. Some will luck out and make the choice accidentally that is right for them but many won't. To a degree that's true even for existing and experiences members because we all change and the system changes as well but that's not a variable we can control. Most simply don't have enough information and experience to make a truly informed choice in that area without fairly extensive Disney and some DVC experience. And that applies to essentially all of us at the time we bought as well. Bill is a good example, I believe he's up to his third resort he thinks is "the one" and that assumes he hasn't change to VGF yet.
But in that case, don't buy at all. If you can't make a good decision, "investing" money in DVC is for those with more money than sense. And there, I know we agree....if you have that much money, why would you own a timeshare?