You are the only person who knows your vacation habits, but if you are a repeat visitor to WDW and you like to stay on-property, then
DVC ownership might be for you. There is a thread farther along on this site ( onpage 2, I think) where an accountant asked the same question. You might want to check that out.
I have owned DVC since 1997, and I was the hold-out in our family. I couldn't believe that any place was better than Caribbean Beach

Now I know that lots of places are better, and they are all DVC resorts! If you are a financial person, you might be interested to know that when I joined, the price per point was $54--it's now $84, and I could sell my points tomorrow for $72 on the resale board. That means that not only would I make money, but my vacations for 6 years (so far) would have been free. My vacations basically cost me maintenance fees, which is about $48 per night for a studio. It's true that nothing is guaranteed, but my IRA isn't guaranteed either, and you can guess what has happened to that!! I just know that I have loved my vacations over the years, so even if the cost of the points "tanks" I will get my use from them. Do I regret joining? Not for one minute!! I just wish I had joined sooner!
