We own at Star Island, about 4 miles from WDW in addition to our
DVC. We bought a 3 BR lock-off there for 99 cents on e-bay. It's during the week we usually go to Disney. We then bought a 25 pt. VWL contract resale, and added on 25 pts.
So we now own 50 pts at VWL and a week in a 3 BR off-site. We were familiar w/ Star Island before we bought since my father owns a 3 BR there during NYE week. It's a nice resort - not themed like Disney, but very nice. With both memberships we get our usual 10-11 day stay, with some time on-site. We'd love to be able to buy enough DVC points for a Grand Villa for a week (the DVC equivalent of what we own at Star-Island), but we're not in that kind of income bracket. That's like a $72,000 purchase. Sure we give up some perks owning off-site, but I saved $71,999.01, so I can live w/ it. Plus the MF on our place are about $800 as opposed to much, much more on 720 DVC points.
I'd also reccomend TUG. They are great over there. I learned (and still learn) a lot from that community.