Why we bought into DVC ...
Being the Disney nuts we are, we were going to WDW 2-3 times a year paying a
AAA rate for our rooms and regular price to be an Annual Passholder. With three youngish children, we knew many, many more Disney trip and non-
Disney vacations were in our future. So, we decided to "invest" in our family's future vacations. However, our problem has been we didn't buy enough points to satisfy our trips. So, we keep borrowing points from the next use year. Make sure you map out how many trips you plan to take and how many points you will need to stay in the desired resort. As much as I like SSR, I am sooooooooooo tired of staying there. I can't wait to stay at AKV and BWV for our next trip. The change will be nice.

Also, I still want to stay at OKW. Maybe, next year?????

We bought into the Animal Kingdom Villas. We just fell in love with the feel of the resort and the animals are a great bonus. You could spend a few days just relaxing by the pool, eating in the great restaurants and even take a safari ride on the resort savanna. It felt distanced from the other resorts and parks that we could relax and be on vacation and then head back to chaos on "our terms". Even though the Beach Club is our favorite resort, you are right there by Epcot, The Boardwalk and "people". So, it can get busy and noisy.

We toured a Bay Lake Tower model at SSR. It is really nice, sleek and the MK views are going to be the most desired rooms with DVC. As Wendy mentioned, BLT has the lowest annual dues right now. However, it costs the most points at WDW and if you make it your home resort, that is the only resort you can book at 11 months out and will need the points to cover the cost. You can transfer the reservation to another resort at seven months out,
IF AVAILABLE. So, choose your "home resort" very carefully. Make it a resort you wouldn't mind spending the majority of your vacations at. BLT sounds like a great fit for y'all. I believe you stayed at CR after our cruise and liked it. Also, Angie made a great point about re-sale. I wish we read up on it more before buying directly through DVC (even though we did get a great deal and additional builder's incentives point). However, that may not be an option with BLT being so new. DVC has the option to buy the shares back from a DVC Owner before being offered on the public market.

If we add-on, it will most likely be AKV or Grand Californian Villas. That way, we can book a longer stay at WDW with the AKV points or head west and stay at GCV every other year. We really liked California and plan to head west more often. We still have so much to see and do.
Some DVC "perks": 
Discounted Annual Pass (approx adult savings $100/child savings $88 per ticket)
Discounted Party Tickets (selected nights) (We've used DVC to buy our
MNSSHP and
MVMCP tickets.)
Discounted Tours (15%)
Discounts on Dining (we opted not to buy a TIW card this year and use our AP and DVC card to get dining discounts/10-20%)
Discount on Spa Services (used this for Bill's Father's Day massage @ SSR/10-20%)
Discounted Child Care (we've used this a few times at the Sandcastle Club/10%)
Shopping Discounts @ DTD (5-15%)
Water Sports and Marina Discounts (we used this last year when we rented a boat at WL/10%)
I hope this helps!

Jennifer