We're glad we bought. We bought in 2009 and haven't regretted it once. We've taken 3 WDW vacations with our DVC and look forward to many more. I just love it and after 3 stays at BLT, I really do feel like I'm "home" when I pull into that parking lot.
We decided to buy when we spent a truck-load of money on two WDW vacations within a 1 year period. We realized it would've been cheaper just buying DVC. Obviously, over time the maintenance fees will add up to a hefty total but if we stop visiting WDW yearly, we'll just sell our BLT (but I will seriously miss the DVC villas....what will I do w/o a kitchen and W/D?).
I don't do any calculating to make sure I'm getting my money's worth so I booked the GF for $95 for a few nights, coming up, using my points. I wouldn't hesitate to use my points to rent a cabin at The Fort when my parents start RV'ing down there, etc.
DH was worried we wouldn't be treated well as DVC members vs. cash customers. However, I have not noticed one difference in how we're treated. Matter of fact, we've had our room requests honored on every DVC trip, not so with our previous cash trips.