Some of my worst hotel experiences in recent memory have been DVC, in rooms I paid a lot for. It's not like Disney as a hotel brand inspires a lot of confidence. They're close to parks, well, some of them are and they may or may not have some perks. I wouldn't expect a "deluxe" experience or anything like that from DVC. I know the limitations of the product, and I've accepted that.
Swolphin has a lot of upside. I'd take it as a hotel any day. It's pretty stark compared to sad BW.
I mean more that if DVC is an investment in family like WDW usually is, a more generic hotel just isn't as appealing. And that's how Disney has designed it, so I get I'm being forced to spend more.
I get that there are some nice hotels, though I will say that when I was considering most more budget competitors like Swolphin, Disney resorts pretty universally had better online reviews than their competitors. Disney resorts are usually 4.7 stars while Swolphin is like 3.9 - 4.3. Take that as you will, Disney might just be good at manipulating their reputation online. And I get the hotel-side is nicer than the DVC-side.
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