I would definatley rent first . I just posted this in a different thread but it pertains to your question. This was my experience renting, it's long but you get a pretty good Idea of what I encountered.
Just got back from a week at the Beach Club Villas and at this point yes I think magic is gone. I'm not a DVC member, this trip was a rented reservation and was part of my decision making process before I bought into the DVC.
I've been to Disney 6 times over the past 8 years and always stayed at the Beach Club and Yacht club resort always on the concierge level. Since now we have 4 kids and Disney does not have reasonable accommodation deals for a family of 6 ($6000-$8000 a week) as they do for a family of 4 ($2000-$3000 a week even cheaper at the value resorts) and to get a 2 bedroom, which we need now, they book you in a DVC resort anyway.So last year I looked into the DVC and figured I would rent before I bought to check it out. Though I did save more then half the cost by renting then booking through Disney that was about the only good thing.
We had a 2 bedroom which was a good setup for us but as far as cleanliness I would give it a "C" borderline "D". Definatley not what we were use to at Disney's Yacht and Beach regular resort.
The Fun started with it taking 3 phone calls to the desk and 2 hours to get our luggage. Every other stay our luggage was in our room before we got there or just as we entered.We were already checked in and had a room # when we arrived so I don't know why it took so long. I think in part to the magical express Disney has now going strong. These buses are pulling in every 10 mins loaded to the hilt and they are getting the priorty I believe when it comes to luggage, verses people who drive up.
Now the tickets. It took 2 days and 4 sets of tickets to get it right. We all had the park hopper with the
DDP ( never do it again) and had room charging.Everytime we would go somewhere something was not right , one ticket wasnt a park hopper, one couldnt charge, etc... So we would have to go back to the desk and get all new tickets ( room keys) , 4 times we did this . Let me tell you the people at the desk at the BCV are useless.
Now the Disney Dinning plan , This was the first time we did this and it's the last. It was a waste of money and nobody knew what was going on. Pretzels were a snack a MK but not at Beach Club market place. We didnt use half of our snacks and some quick service because it was easier just to pay for what ever we were getting rather then waiting for the server to try to figure out what was what .I can see maybe once they get it all ironed out if the tip was still included it might be worth it, but with having to pay the tip seperate now I'll never do it again.Should have researched it more ,I planned it last year so no one really knew about the new way yet.
So now were into the trip a few days and besides some things the trip is OK . All my ressies I made are good and no problems until the day I had a fireworks cruise booked. I had made ressies 3 months in advance for a cruise at 8:00pm to see the fireworks at MK at 9:00pm. This was a suprise for my inlaws who missed a cruise( due to food poisoning, which Disney was great with and gave the 2 of them a free weekend trip) they booked for us 2 years ago at a magical gathering we had ( by far the best Disney experience I have had) . So the afternoon of I go to the wonderful BCV desk and ask the lady to check my reservation for the fireworks cruise. Since she had no clue on how to use the computer it took her over a half an hour to pull up my ressie and she finally comfirmed the ressie was at 8:00pm the boat leaves at 8:30 the fireworks are at 9:00 and for me to be at the dock at the Grand floridian at 8:00pm. So we go about our day and finally get( after a 1 hour ride on a bus that kept breaking down) to the dock at 7:55pm to find the rec building closed. I manage to find a girl that works there and she tells me I was supposed to be there at 7:00pm and the fireworks are in 3 minutes at 8:00pm. and that she called the BCV desk and left a message for me that the fireworks were changed. I never received any message and I checked with the desk and they told me to be here at 8:00 pm. So now the fireworks are going off as we stand on the dock, my kids are crying because we missed the boat. My wife starts crying because it was a suprise for her mother whose birthday was the following day and her parents missed it the last time we were there. Now I'm extremely mad . So we get back to the BCV , I go to the desk which I forgot has nobody there after 6:00pm ( why only till 6:00pm) . Now I'm even more angry as I walk over to the Beach Club's regular concierge desk. I felt bad for the lady that took me but I have every reason to be mad.For some reason Disney changed the fireworks that night and I was never told and after a few minutes the lady ( who was very nice by the way even with my angry banter) figured out what went wrong and was going to reschedule the cruise another day but we couldnt due to other ressies. So she said she would just refund me . She even called the next day to confirm she took care of everything.So at this point I gave up on the BCV desk and only dealt with the Beach Clubs regular concierge for the rest of the trip much better service.
Another example of the service at BCV desk was my inlaws wanted to eat at one of the Yacht Clubs restaurants one afternoon so they stopped at the desk one the way out and asked if they needed reservations to eat there. The persons answer was" I don't know". So they took that knowledge from the BCV guest services desk and walked over to the Yacht club's restaurant to find out it does'nt open until 5:30pm. They got there at about 4:00pm. So not only did the person not know if you needed reservations she didnt even know they didnt open until 5:30 or bother to tell my inlaws. Now that is good service.
I'll tell you every other stay we did at the Beach Club or Yacht Club regular resort were by far better then this stay at the BCV. It's seems like DVC was more interested in getting every person ,or more or less anything that moved to buy into the club rather then taking care of those who were already there.
Part of what makes Disney magical is everything is taken care of wether it be a problem, you need something or just a simple question, someone helps you with a smile. This was not the case this time .
As far as me buying into it. I don't know I'm going to give another shot next year before I do anything. My kids are young so I'm in no rush. I really like going to WDW almost every year and the DVC rooms are the size we need but with service like we had I'm really not sure at this point. I would rather save and go every 2 years and stay in a suite at the Grand Floridian or have 2 connected rooms at Yatch and Beach resort concierge level and know i'll have the best service possible.