II trades are a minimum of 124 points for 1 week in a 1 bedroom. A value season studio at AKV is 144 points and you are Walt Disney World! The 1 bdrm at WDW may have a rack rate of $500, where the rack rate for the non-Disney resort may only be $200.
There are several ways to look at trading out. I believe that if you
occassionally wish to use your points outside of
DVC that it can still be a good use of points. This outlook says that you want to have a great vacation, and you might as well use points that you do have instead of cash money that you may not have available. Of course, others believe to use DVC points to go to Gatlinburg or Williamsburg is a waste of money.
Another thing to consider is the purchase of a small DVC contract to use for your Disney trips every 2 to 3 years. This works because you can bank and borrow your points. That way your Disney fix is covered, leaving you more money to do your non-DVC vacations.A 50 point contract would cost less than $5,000 and have maintenance fees in 2008 dollars of $200/yr., and would allow for a nice Disney vacation - every other year.
Finally, others will purchase a DVC contract with enough points to rent points to others to pay the maintenance fees.
Overall, if you don't want to travel to WDW often, then DVC is not for you. If you do then you may want to consider some of the previous options. You may want to consider purchasing DVC as well as another timeshare, or

by going with a different timeshare all together.