We did exactly what you describe in your scenario. My wife & I bought into
DVC a few years ago knowing we would have kids. We took a couple vacations on our own (we absolutely love Disney), and golfed, did the parks etc....
Now we are going in October for the first time with our daughter. She is two and a half. We see this as a bonus, and here is why :
1. Perfect place for a family vacation
2. My wife & I both plan on getting away with friends. A guys weekend for golfing, and my wife and her sister went down and ran the half marathon last year.
3. When we do go with our child, we have spent enough time in the parks ourselves. So it will be all about our daughter. If she gets tired or cranky, we dont need to drag her around Disney making all of us miserable. We know we will be going back frequently. So - there will be no rushing or hurrying to try to get things/rides in for one trip.
4. We can also use our points to give our family (parents/other members) vacations if we cannot use them
5. Orlando continues to grow - there are other attractions we can go to outside of Disney
6. Vero Beach & Hilton Head are both wonderful, non-Disney locations (along with the many other choices)
7. We own 150 points. So - if we want to get a 2 bedroom we may bank points and go every other year. It seems like if you know the system, there are plenty of ways to easily make it work.
We love DVC & dont regret it one bit!!!!
Eric