donldisney....
This board features a lot of satisfied
DVC customers, so you won't hear a lot of downsides. However, we do have a sort of check list for whether DVC is right for you.
1. Do you plan to go to WDW (or Hilton Head or Vero Beach) at least every 2 or 3 years for the next 40 years? Your post indicates every other year or so.
2. When at WDW, do you really like to stay on-site? If on-site is not that critical, you might be as well off searching for good hotel deals every trip.
3. Is the Disney commitment to quality accommodations and service important to you? Looking for a new hotel every year is always a risk if you don't know much about the managment.
4. When you stay at Disney, do you stay at moderate or luxury accommodations? When comparing cost savings, these are the categories that make the most sense.
5. Do you like to take a lot of last minute trips to WDW? DVC works best for those who can plan their vacations, especially 11 months in advance?
6. Is your primary interest in DVC driven by trade out opportunities to other timeshare locations in the US/abroad or even to other WDW resorts such as Grand Floridian? Most members find that trading DVC points is often not a good value if primarily used that way.
7. You have a family of five, which will require a two bedroom accommodation whenever you use DVC for the whole family. Your point needs must take this into consideration.
There are other questions, but this is the top of my head checklist. I'm sure others will add a lot of other issues I've left off.
BUT, I couldn't end this message without saying that I went through the same process as you when I bought a few months ago. If WDW is seen as a special place (including where you stay) that you want to visit often, then I think DVC makes a lot of sense. However, if WDW is just another set of nice theme parks you think you want to visit from time to time, I'm not sure the DVC is the best way to go.
Finally, others may mention that you might want to look at other time share properties as well. I believe some members find the Marriott program to be a pretty good program without a lot of sales pressure.
Good luck in your decision.