Hi Skorpie & Welcome to the Board!
It's hard to make a recommendation (or even give an opinion) without knowing what size accomodations you think you will need. Are you thinking of a studio (sleeps 4, although some rooms will accomodate 5), a 1 Bdrm (sleeps 4) or a 2 Bdrm (sleeps 8)? Also, what time of the year do you think you will be visiting? Points (cost of the rooms) vary according to season. Will you be visiting once a year, once every other year or ?????
We're not millionaires either (I wish, LOL), so cost was an important factor to us. We looked at the
point charts and determined 200 to 250 points would work for us. Then we compared the cost of that with what we were already spending for rooms and
DVC turned out to be a bargain. Whatever you end up deciding will be right for your family.
Best wishes.
Carol