"You prefer to stay in Deluxe or DVC accommodations and/or you stay a long time (10 days or more per year). If you always stay at a Value resort, or always stay off-site, or you really spend the entire day at the parks away from your hotel, and you don't spend time at the resort itself (other than crashing at the end of the day), then DVC may not be for you.
You are able to plan your vacations well in advance -- ideally 7 to 11 months out. If you aren't a planner, don't even look at becoming a DVC member."
We NEVER stay more than 6 nights, I do not agree with the 10 days or more per year - at most I get 9 nights out of a year INCLUDING a weekend, and DVC is still well worth it for us.
As far as "don't even look at becoming a DVC member if you can't plan well in advance" - in my personal experience and IMHO that's a bit harsh. I just booked a one bedroom during Food & Wine Festival over a long weekend at the BWV, it is my home resort and I did book many months out (it's still during F&W which is a busy time for BW & BC) - but I've also gotten what I wanted within 4 months. It seems OKW and SSR almost always have something available, and people do cancel, like anywhere else. I think your chances of getting a vacation booked inside 7 months is better than the above statement suggests.
As far as it being a "comfortable" fit for your budget - that I definitely agree with. It can become a burden if it is financial stressing. We bought our first alotment of points outright, and did the land/sea vacation in the first trip, which basically covered 1/2 the cost of the buy in had we paid that trip in cash, so I have to say for us it paid for itself in probably about the first 4 years. One thing my DH and I say is that it was the best thing we ever did with our money! Knowing my kids will have it into their 50's and my future grandchildren - on average - will have it into their 20's is a great "plus" in owning!
Good luck with your decision!