Agree with the others with one exception. It can be an okay trade for other WDW hotels. Okay because at your cost you may find the points equal to or better than AP codes at deluxe resorts. But you can not rely on that for the entire contract.
Many others will disagree with me, in part, because I use the cost of a point rather than the cash rental value of a point (which is much higher).
DVC is best used within the system where you get the most value for the dollar.
Consdiering what you have said about your situation, DVC may be good for a portion of your holiday plans. A small contract with DVC to go every other year or every third year might be a good choice using banking and borrowing rules to do this.