Respectfully, your children won't remain small and wanting to sleep together for long.
I really have a soft spot for families with 5 or 6 members because I know there really isn't a good DVC "fit" for them. There have been a lot of debates regarding different room configurations and why they probably will never happen. I won't go into details here.
In fact, this post will probably get moved to the Occupancy Thread before I finish.
I don't want to get too philosophical, but vacationing in a DVC Two Bedroom is an experience you really can't describe. Try to imagine laying your children down for their nap in a private bedroom...lounging in your in-room whirlpool tub after a long day at the parks...not having to pack everything you own because you can do a few loads of laundry during your stay...think of the dollars you can save just by eating a few meals (breakfast is very easy) in your room instead of paying Disney buffet prices for your entire stay.
Back to your question--remember that DVC is an investment that's going to last most (if not all) of your lifetime. If you decide to buy points today at Saratoga Springs, your 7 year old will be near retirement age when the contract ends.
You may not think you need a 2B today. But if you can afford enough points for a 2B at today's prices, you'll be so grateful you made the decision as your family's trips begin to change:
- Your children enter the teen years and you need the extra beds and bathrooms.
- Boyfriends / girlfriends / fiancees / spouses start coming along on trips.
- Grandchildren start joining you at Disney.
My wife and I are both in our mid-30s with children 3 and 16 mos. This December we are treating my parents to a week in a Two Bedroom at Saratoga Springs. Can't think of any better way to spend our time, and DVC helped make the trip a reality.