With the DVC program, you buy opints. You spend the points depending on the size of your unit, the time of year("season") you vacation, and the lengthof stay.
To determine the # of points you need, you need to determine when you genmerally vacation there and how long you generally stay. You have already determined the size of your unit. I believe that on this website is a points calculator where you could enter in some arbitrary dates, resorts, and lengths of stay and come up with an "idea" of how many points it would take to stay in a 2BR at the Beach Club Villas from February 10-17. The scenario I just presented would require 395 points.
Now, points can be played with a bit as well. When DH & I first bought, we could afford 200 points, so that's what we purchased. We did a little "creative" resorting, so that we could maximize our DVC points. What we would generally do is arrive on a Friday, stay Friday and Saturday night ina regular resort (ie-Carribbean Beach) and then move to the DVC resort Sunday. the per night point values for DVC resorts are much higher on the weekends, so you can conserve some points by not staying DVC on the weekends. We actually enjoyed that, because we still got to stay in our favorite non-DVC resorts and get a little "taste" of them, but the bulk of the time we were taking advantage of ouor DVC investment. It is a win/win for us to do it that way. Others may disagree, but moving between resorts isn't a huge issue as Disney's bell services does it for you if you so desire.
Use Year is the month in which you receive your full allotment of points every year. For example, our DVC contract has an October use Year. That means every October 1st we get 200 points. Those points either need to be "spent" or "banked" during the next 365 days. Spending them means using them for vacation. Banking them means that by certain dates you call the DVC and tell them you want to bank X amount of points into the next Use Year. You bank points when you don't think you will use them by the last day of the current use year.
For example, as I said, we have a 200 point contract. We have done most of our vacaitoning, and I have 19 points left. The last day I can use those 19 points is September 30, 2006. I am not going to be ussing them prio to September 30, 2006, so I have banked them into the next use year. That means that on October 1, 2006, I will have a total of 219 points...200 of the regular points + 19 banked points...to spend on vacation accomodations.
DH & I really looked at this program before we bought it. He is in real estate, and is anal about money, so he literally looked at it every which way from Sunday. Basically what it boils down to is that if you are going to vacation at WDW at least every other year, it makes sense to seriously consider the program, if it is something you can afford.
Best of luck with your decision.
) so we are already dishing out mega dollars to stay on site. 
