We've been members since april of 2001 and added on three times. We've enjoyed our trips immensely and feel we have just the right number of points now. We aren't wealthy so added up small contracts.
I do think DVC is expanding far too rapidly at WDW and am not comfortable with the crowd levels at the parks during most times of the year. While I know Disney is a business, I see the g in greed getting larger every year. That being said, you'll see us back in the World in March.