First of all, welcome to the DVC Ops Board - - I think you'll find us friendly and helpful about all things DVC!!
Since you are on the fence right now about DVC, it's probably wise to do a lot of research about DVC before you go on your trip. There are DVC kiosks throughout the parks, resorts, and DTD which allow you to book a tour at SSR (Saratoga Springs Resort) which has model rooms of its own resort as well as AKV and BLT. If you like what you see during the tour, you can literally become a DVC member within about an hour or so, with a membership card and access to your points for booking.
I will tell you that, while the tour is absolutely no pressure, the Guides (salespeople) are going to make DVC very very attractive, and the numbers (especially if you travel to Disney at least once a year) are going to really work out for you. That's why I highly recommend doing your homework so you can make sure before you tour that you aren't buying into DVC on impulse/emotion and that you've given yourself time to consider if you: (i) can afford DVC; (ii) are willing to commit to go to Disney for the next 45+ years and want to take the majority of vacations at Disney; (iii) are willing to shell out money every year for annual maintenance fees; (iv) want to buy direct through Disney or via resale; (v) want to stay at a particular home resort and how many points a typical stay would cost; and (vi) will finance the purchase or pay cash.
You can of course spend a lot of time here on the Boards but also take time to view the DVC DVD which will probbly answer a lot of questions you may have. Your Guide will also be able to help you with any cost questions, and will be able to give you an idea of what your monthly payments would be if you wish to finance through Disney.
I will also tell you that typically when you buy Disney offers two types of incentives: typically a discounted point price (to get you in the door) and an additional perk
if you have a referral from an existing DVC member. For example with the current incentives for BLT, if you buy a 160 point contract, DVC is offering a discount of $8 off per point (which sounds great, right?). However, if you mention the name of a DVC member, you get a second perk of an additional $6 off per point *or* a cruise. So, it is beneficial for you to use a DVC member referral. If you do not know anyone personally, there is a thread here on The DIS with many members who are willing to act as referrals.
Either way, best of luck to you as you go through this decision.
