There are many single owners of
DVC who also happen to be married. Things to consider in making it only you rather than at least you and your husband are:
1. You will be the only DVC Member. No one else will be able to make, cancel or change a reservation, or contact Member Services, although you could have your husband probably do some of those things online using your account.
2. As the only DVC member, you will be the only one who can have a Blue Membership Card. That is needed to qualify for any discounts, e.g. discounts on APs (but you can purchase those with the DVC discount for members of your family), dining and merchandise (if your mom is with you at WDW you will have to be present and show the blue card for her to get any merchandise or dining discounts), golf (if husband plays golf at WDW, he will not be able to get the DVC discount, unless you are playing with him).
3. When the purchase is done by two persons, most often husband and wife, the dead is typically set in a form of joint tenancy with right of survivorship (called tenancy by the entirety when husband and wife). What that means is that if one owner dies, the other automatically becomes the owner of the entire interest and the property is not subject to probate until after the survivor dies. The death of the single owner on a deed would mean the property would be subject to probate in Florida, for which the executor of the deceased's estate would need to hire Florida counsel, and there will be cost involved in doing the probate.
4. The husband and wife, with the tenancy by the entirety form of joint ownership, have a certain creditor advantage. If you were to have some other debt, created before or after marriage, only in your name as liable debtor, and you fail to pay that debt, the applicable creditor could not go after your portion of the ownership interest in DVC to help pay that debt.
