DVC membership might make sense if you meet most or all of these criteria:
[*]You stay more on weekdays and can limit Friday and Saturday night stays.
i just wanted to add some numbers to further explain this.
i paid cash for a small resale contract at OKW (less than $4000 total for a contract with 35 years worth of pts remaining) a couple of years ago. annual dues on that are $4.56 per pt this year, which works out to about $15 a month.
i like to visit wdw in nov/early dec when the decorations are up...during that period, it costs 8 pts a night to stay in a studio (with 2 queen size beds, balcony, kitchenette and 390 sq ft compared to 260 sq ft at a value like pop or 314 sq ft at a mod like POFQ) at OKW from sun-thurs.
so for those 5 nights - based on my calculations - i'm paying less than $60 a night, tax included. IMO, that's the best deal on property.
OTOH, if i wanted to stay for a weekend and booked for fri-sat nights, it would cost me roughly the same 40 pts to stay 2 weekend nights as it cost to stay 5 weeknights. my $58ish room now costs me around $145 a night, tax included. still a fair deal, but a mod with a discount code is much more competitive (and obviously doesn't require the cash upfront that a DVC contract requires.)
naturally, rentals cost more per point, but the ratios are the same. if you can rent a weeknight at OKW for $96, the weekend rate essentially goes up to $240...
something to keep in mind whether buying or renting.