I was 40 (almost 41) and DW was 41. I had been wanting to buy
DVC for years but for a few reasons we never did. Rented points at SSR and BWV and knew the ins and outs about DVC, so we were as informed as I think you could be before buying.
Combination of having more disposable income and, as I like to call it, my mid life crisis led to our first contract in 2021, 160 SSR points. On our first DVC trip the next spring we purchased direct at GFV. Signed the docs while waiting in line at the car rental agency at MCO (couldn’t purchase where we live so had to wait to get to Florida to sign off)!
Just purchased our third contract this spring at CCV and I think we are done for now.