Here's something to think about. We are from NJ and we go once per year. We became DVC members in 1998 and our home resort is BWV. We usually stay for at least one week. A studio at BWV is at least $300 per night, so if we stay at least one week that would mean $2,100 per week for every time we go. We have gone every year since we became DVC members. So we would have spent over $14,000 over that period of time just for the room. Instead we paid around $12,000 for our initial membership. Point values were in the $60's back then. The point is that it will pay for itself over time. Now that the point values are higher, your break even point will be longer than ours.
I don't know if you know this but DVC members receive $100 off of an annual pass. So we buy an annual pass every other year and make sure that the next trip is within 12 months. This year we will be buying passes and we are going in August. The following year we will be going in June.
It's definately worth it. Next time you go down, take the tour, it's not high pressure sales at all. If you feel that it's not for you, they won't mind at all.
I hope this helps.