This is where I disagree for many situations. I think it's easily possible to own at SSR and never have to stay there. Obviously there are factors to consider but I've come to believe that for many (and a growing number as the resorts expand) the ownership and usage are separate issues. Obviously for others it isn't. It really depends on the specifics but I've come to believe that far too often people pick home resort on emotion grounds in a way it really doesn't help them long term with their DVC usage. And if one does make the wrong choice for what their usage and preferences end up being long term, it's far better to own a cheaper resort than a more expensive one. I suspect the % of new owners that end up with a long term specific preference for their home resort is VERY small comparatively speaking.
We own at ssr and have never stayed there. Of course weve only taken three trips as owners... I do agree fully with your assessment though, and we made the same basic decision when we chose to finally buy.