I just came back from a lovely 7 day cruise with DCL. I went to their info session on board and my desire to buy in has been re-ignited 
Here's our story: we've been to Disney 3 times as a family since 2009. (I went as a kid couple of times, but we stayed off-site). All three recent visits were onsite; Poly, WL, YC. We like the deluxe resorts
I know that DVC does not have mousekeeping. I like that
I've been to 4 info sessions. After each one, I notice more about what the Disney salesperson DOESN'T say to make purchasing thru themm sound more appealing. I've visited the main office @ SSR twice. I've resort "shopped" all the DVC resorts during our visits to get a feel for each one. I have no pref for any and can see myself staying at all of them eventually. We typically visit in early december (DVC busy!) and April, but are at a point now in our lives when we're getting a lot more flexible with dates. I can plan out in advance - I'm all about delayed gratification!
It's me and my two teen aged kids. I keep expecting them to grow tired of disney, but they don't. They share their mother's love for the place.
We've done the park commando trips. I see our future trips as more relaxing, more resort and pool time, with less park time. We've done all of disney's dining.
I refuse to spend double pp going thru disney. I like them, but not that much! I would never use my points for ABD or DCL or RCI, so the premium of a retail purchase is lost on me. A bunch of our newly met friends on our cruise bought on the ship and I could not believe they were willing to spend 155 pp. All but one financed. That scares the crap out of me. I have no consumer debt, and don't wish to.
I'm looking at SSR. In my research, it seems to be the best overall deal. MF are lower (and this is my main concern, because it's not the initial price, but the years of increasing MFs that I want to focus my attention on. I can pay cash for a small (approx 100 point contract - maybe a bit more so we can secure a 1 bedroom every other year). Our vacation habits are around once every year and a half.
I'm a Canadian, and I would like to find out of there are any canucks here who are owners so I can get your thoughts on DVC, especially with concerns about exchange rates and our slowly decreasing dollar. I think that's the only real stumbling block I have - worrying about our dollar taking a nosedive, making trips stateside more expensive.
So, is DVC right for us? Have I missed anything in my analysis?

Here's our story: we've been to Disney 3 times as a family since 2009. (I went as a kid couple of times, but we stayed off-site). All three recent visits were onsite; Poly, WL, YC. We like the deluxe resorts

I know that DVC does not have mousekeeping. I like that

I've been to 4 info sessions. After each one, I notice more about what the Disney salesperson DOESN'T say to make purchasing thru themm sound more appealing. I've visited the main office @ SSR twice. I've resort "shopped" all the DVC resorts during our visits to get a feel for each one. I have no pref for any and can see myself staying at all of them eventually. We typically visit in early december (DVC busy!) and April, but are at a point now in our lives when we're getting a lot more flexible with dates. I can plan out in advance - I'm all about delayed gratification!
It's me and my two teen aged kids. I keep expecting them to grow tired of disney, but they don't. They share their mother's love for the place.
We've done the park commando trips. I see our future trips as more relaxing, more resort and pool time, with less park time. We've done all of disney's dining.
I refuse to spend double pp going thru disney. I like them, but not that much! I would never use my points for ABD or DCL or RCI, so the premium of a retail purchase is lost on me. A bunch of our newly met friends on our cruise bought on the ship and I could not believe they were willing to spend 155 pp. All but one financed. That scares the crap out of me. I have no consumer debt, and don't wish to.
I'm looking at SSR. In my research, it seems to be the best overall deal. MF are lower (and this is my main concern, because it's not the initial price, but the years of increasing MFs that I want to focus my attention on. I can pay cash for a small (approx 100 point contract - maybe a bit more so we can secure a 1 bedroom every other year). Our vacation habits are around once every year and a half.
I'm a Canadian, and I would like to find out of there are any canucks here who are owners so I can get your thoughts on DVC, especially with concerns about exchange rates and our slowly decreasing dollar. I think that's the only real stumbling block I have - worrying about our dollar taking a nosedive, making trips stateside more expensive.
So, is DVC right for us? Have I missed anything in my analysis?