I didn't really even know about DVC until after a coworker suggest that we rent DVC points instead of rack-rate. I was enamored with the idea when we came back from that AKL trip, but it didn't financially make sense for us at the time once I actually dug into the price of ownership. As young adults, we had a lot of bills to pay for before funding future vacations- student loans, car loans, paying for the wedding, downpayment for a house...
After a pretty rough few years, we decided to pull the plug and use a chunk of our savings to buy while our daughter is still young. I was worried initially when I found out about DVC that we'd be boxed into having to take a Disney vacation every few years, but now that's a relief because it means that we have to take a vacation!