I think Lisa F makes some very good points. First, DVC may not be less expensive than All Starts. Second, DVC studios are more equivalent to a Delux. Third, and most important, the best way I've found to make a fair cost comparison is to break the cost down to a per points basis as Lisa did. Then compare the per point cost to the cost of the place you would normally expect to stay.
The nice thing about using a per points cost basis it that it allows you to compare different level resorts (economy, moderate, delux) to DVC. We had been staying at moderates and we found that DVC made sense for us.
We are very pleased with DVC.
One more thing, it took us several years to convince ourselves it made sense and I would never have done if it would have put us into a financial bind.
With that, good luck on your decision.