We have owned
DVC since 1997 and it is some of the best $$ we have ever spent.
I would give you these thoughts:
~ It is a luxury item. By that I mean that you should not be foregoing something necessary in order to afford DVC.
~ It is a timeshare, despite what Disney wants you to think it is. That being said, their way of using points vs. buying a week gives owners more flexibility.
~ You need to realize that you will be a bit more self-sufficient in a DVC unit. There is not a daily maid service unless you are willing to pay extra for it.
~ One bedroom or larger units have full kitchens and laundry. Some folks don't like that...they want no reminders of "home" or the drudgery of cooking or laundry while on vacation. We do not cook any meals when we are there...we use the kitchen for making light breakfast (ie-cereal or maybe an egg sandwich) and storing our munchies and chilling our beverages. I actually like to have the laundry in the unit because for me, I feel like I can cut down my packing if I can throw in a couple of loads of wash.
I would recommend you very carefully look at the financial aspects, consider how you will like to vacation. DH & I enjoy going to WDW at least once or twice per year, so for us it has been a home run.