Should we still keep renting or buy in, bearing in mind we will need a good amount of points to continue staying DVC?
There are three things that someone might want in their WDW lodging:
1: To be onsite.
2: To have a reasonable amount of space.
3: To spend a reasonable amount of money.
Unfortunately, you can only have two of them at a time—at least, for most definitions of “reasonable.”
So, I think you are trying to get a handle on which of those three you can most easily live without. A 2BR DVC, pretty much no matter how you slice it, will not be cheap. Owning DVC points, purchased resale, is not a bad way to do it, but it still won’t be cheap.
On the other hand, if it is within what you can imagine affording, then why not? For my family, a 2BR is pretty much the smallest unit that I will consider when the four of us (me, DW, DD23 and DS21) are all traveling together, and that’s pretty much been true since the kids were in grade school. If it is just three of us, I will cram into a 1BR if I have to, but only if I have to. For me, ”have a reasonable amount of space” is the one of the three that is non-negotiable.
This is a bit unusual among DVC folks, but I did not get into timesharing to stay in studios. We really like having a living room to be able to stretch out and relax in, where the night owls and/or early birds can do their thing without disturbing anyone who might be sleeping—and that means the sofa bed isn’t being used as a sleeping surface by anyone. We don’t do a lot of “cooking” but it is nice to be able to have a decent breakfast without having to leave the room. In-room laundry means you can throw a load on your way out to the park/dinner/what-have-you without having to worry about hogging a shared machine.
(In fact, I’m typing this from the dining room table in our 3BR condo at Wyndham Smuggler‘s Notch in northern Vermont. It is
lovely up here right now.)
The longer the stay, the more important the “home away from home” conveniences are to me. I cannot imagine being in a studio or two for a couple of weeks.
Again, this is going to be a good chunk of change, even as a resale DVC owner. If that’s a stretch, you could also consider (gasp!) staying offsite in a pool home, townhome, or larger condo. We’ve done that both at VRBO/AirBnB-style places (think Windsor Hills) as well as some of the nicer timeshares in the area (our favorite is Wyndham Bonnet Creek). This would cut your lodging costs significantly, but you’d lose being onside. We rent a car whether we are onsite or off, so for us the difference is not particularly important, but YMMV.