Hi Dave,
Getting into DVC is great but you do need to do a lot of research first. The bottom line is whether in the long term you'll save money compared to paying OOP.
I've had DVC for a few years now and I've not hit the break even point yet (which is roughly 7 years of vacations assuming you use all your points and stay at a DVC resort) but a lot of things can effect that.
First thing to think about is where you are happy staying. If you are happy in a moderate or value resort then DVC isn't a cost effective solution.
Secondly, if you have to finance to buy in, then it probably isn't worth it either.
Thirdly, can you comfortably pay the annual dues? (these can be split down to monthly payments but only if you get a US bank account). I have 330 points and the amount I pay in dues pe year would happily cove a value every year or a stay off-site. But I'm a Disney snob and want to stay in a deluxe resort.
Will you want to use the points for
DCL or RCI? (not a cost effective use for them but some people do) This will determine whether you can buy resale or need to buy from Disney direct.
Do you want to travel every year?
Those are just some of the simpler questions before you get into DVC, it can be very complicated to work out if it's worth it.
That being said I love my DVC points. I'm more than happy and would buy more in a heartbeat if I had the cash.
Anyway, if there's anything I can help with feel free to ask.
