The "cheapest" DVC investment is really buying enough for standard studios in your preferred resort. If you buy outside your preferred resort, you're forced to purchase extra to afford 1 BR preferred views.
That would assume that those standard view studios are available to book at eleven months out - and for a lot of the options, that's a battle. If you buy enough points only for standard view (or the elusive VAKL value rooms), plan on taking shorter trips from time to time. There are a lot of BWV owners who have learned that the hard way - especially for F&W.