If you were thinking of buying into DVC for cruising, you may want to think again. For the most part, points are quite high for most cruising seasons -- especially if you want a verandah. I'm renting my points out in order to pay for a cruise. Yes, it can be a risk and a huge pain in the butt, but when points vs. cash (especially early booking), cash is a much better deal.
Although, you'll find many people on this board who would rather use their points and not go through the hassle of renting/trading. I'd rather save my points for WDW vacations. Also keep in mind that while the points to stay at DVC resorts do not increase each year, points to cruise have been increasing each year.
You may want to ask around the DVC board as well.