In my opinion, there are more affordable options that offer 85% of what
DCL offers. It really comes down to whether that 15% difference is worth the extra money to you. I do think we DCL fans tend to overexaggerate some of the differences. For example, upkeep and cleanliness get mentioned a lot, but I thought Celebrity's Edge Class ships were just as clean and well-maintained. I do think DCL's lack of indoor smoking is a big plus, but you can also get that on Celebrity (though not on many other lines).
For me, I am willing to pay a reasonable DCL premium from time to time because I like the style of their ships (more classic steamliner versus a floating hotel) and small touches, like Disney music in the halls, artwork, themed restaurants, a good entertainment staff in the adult district at night, and the occasional show. I really like the entertainment on the stateroom TV's compared to other lines. It sounds dumb, but we always have some downtime in the stateroom to chill as a family and it is fun to watch Disney classics during that time, even if we are all grown now, compared to the terrible TV offerings on most other lines. Others really appreciate the characters too, but that hasn't been a selling point for us now that our kids are grown. I like the stateroom layouts and general vibe of the cabins more than other lines too. Even though I am not a Disney fanatic, I do catch the occasional "feels" for certain Disney magic when sailing too, which is fun Even the ships horn makes me emotional to hear, since it conjures so many happy family memories for me.
I will say, DCL has declined in quality in a few areas in my opinion, making the premium a little less worth it to us. The quality of service has become more hit or miss, particularly in the main dining rooms. So has the food. In my opinion, prior to the pandemic, it was mostly good and occasionally great. Post-pandemic, I would describe it as mostly passable to occasionally bad. They have also removed a host of little touches that used to make them stand out. They were all small things, but they add up to something bigger when I think about cruising DCL 15 years ago versus now.
In the end, if it's within your budget, I think it's worth a shot to see if you enjoy it or if you are content sailing other lines. It's the best way to know. I wouldn't go all-out on your first cruise—pick an itinerary that is more modestly priced to experience the ship. That will be the Caribbean or Baja cruises. But I wouldn't go too short on the length, because I personally think that doesn't give you the best experience with DCL.
Edit: Also consider some last minute guaranteed rates (you pick the cabin type, but not the specific room). My wife just took a cruise on the Fantasy that was affordable compared to our previous cruises. For her and a family member to go, with a verandah room, it was less per night than we have paid for a moderate room at WDW.