I agree with you, Dean. We originally went to WDW staying off site, then moved to value resorts, then moderate resorts, skipped the deluxe resorts and then eventually bought DVC. We didn't buy DVC till we had no other debit and that includes having no mortgage and only once i was convinced i would have a fast break even on my purchase of DVC, which for me was 6-7 years. DVC is a long term luxury purchase. If you aren't comfortable making that commitment now, wait a few years till your finances are in better shape, DVC will still be there. You don't need to own DVC to enjoy going to WDW.