I would quibble with a few assumptions, some of which others have already mentioned. But here is why you can't make a huge mistake by not buying: you can always change your mind and buy if it makes sense for you later. If you buy without thinking it through and then change your mind, you've probably cost yourself some money. There are countless ways to enjoy WDW without being a DVC member. Enjoy them and the flexibility of not being locked in with a large upfront investment and mandatory annual fees for the next 40 years. If you change your mind later, DVC is always there waiting for you.