What's best for one is not best for all. And so I would caution you about making up your mind after only reading the opinions and postings from happy
DVC owners. Read some of the vacation excitement people share about their non-DVC vacation homes too. DVC is really great.

You are just not likely to get both sides of the issue equally represented on a DVC board.
Consider reading the bulletin boards at Timeshare Users Group (TUG). There are several DVC'ers who post there, as do many, many other timeshare owners. I wouldn't even think of buying a timeshare
anywhere without reading the reviews on TUG first.
http://www.tug2.net
Access to the bulletin boards is available to everyone with a free registration. Access to the resort ratings and reviews is for members only ($15 first year includes one free online ad in the classifieds section). Feel free to use my name as a referral (adds 6 months to my membership) or write me for more info.
You wrote:
>>> Understand that in our case we lived in the area for several years, that we're open to visiting other parks occasionally, we drive our own vehicle, etc.
Like you, we also visit other attractions and we also drive our own car. My DH's & children's favorite WDW vacations have been at Fort Wilderness Campground (in a pop-up), BWV, Vistana and MOWC, in that order. They've also stayed at the Contemp, OKW, DxL, FWH, and several offsite resorts but we prefer those 4. For some people here, the DVC is really the only game in town. You may be one of them.

For others, the alternatives can be be just as good or better.
Only you know whether the onsite vs. offsite thing makes enough of a difference to YOU to justify the added price in both purchase and yearly maint fees. We've really enjoyed offsite timeshare exchanges into the area's Marriotts and Vistana. We sometimes add a few days onsite to the end of our trip too. It doesn't have to be either/or. We don't feel that we miss anything, especially after so many Disney trips.
You also wrote:
I'm afraid I'd regret it forever if I didn't do Disney.
If it's what you want, what makes sense for you and it's worth the added cost to YOU, go for it! Just look at all of your options. DVC is best for some, offsite for others, renting as needed for others. We've bought and sold DVC points and a good resale price on either DVC or an offsite resort will limit your risk of making the "wrong" move. We've bought and are selling some of our other timeshare weeks (using more vacation time with our pop-up camper) and it's not a big deal. Hope this helped.