Do you go to WDW at least every other year and will most likely keep going to WDW for the length of the contract/
DVC ownership?
Do you stay (or want to stay) in moderate to Deluxe rooms?
Do you plan your WDW trips (at least 7mo's) in advance? (During certain times of the year December, October, Spring Break.. DVC's are booked solid by then)
Do you have expendible money to do the initial buy-in? (Although you can finance, would the payment ever be putting your family at risk?)
If yes, then DVC may be a great deal for you! Then read, read, read here, figure out if you prefer a certain home resort..