Personally, I've never really been able to take advantage of the perks.
1) An annual pass doesn't benefit us, but it may you and that's a biggie!
2) Restaurant discounts are usually for lunch. We've only received a discount a few times.
3)
DVC members don't get a discount at the
Disney store in DTD, but if you have a Disney Visa, they do give discount (10%, I think).
4) Cash discount - every year, my SIL pays cash for weekend nights instead of using her points. As a DVC member, if there is availability, you can get a 25% discount.
Just like with other discounts, the offers associated with being a DVC member are for times when restaurants, attractions, etc. aren't busy. They are trying to get people to come during their slow times.
Here's a link that tells more...
http://www.arondaparks.com/DVC Perks.htm
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