Wecome Home! We purchased in 1992 and have been very happy with our membership. Some time would be to plan your trips as early as possible, so you have a better chance of getting the accomodation size and resort you desire. If possible, it is always a good idea to book you home resort during the 11/7 month exclusive window, again this helps you to get your desired room size.
Relax, if you are comfortably able to afford the payments and dues, it will save you money in the long run, assuming you will be returning to WDW for many years to come.