Please help me decide on a DVA

No, the DVA can't be used on site in the parks.
IIRC, you can withdraw your funds back into a Disney gift card but you do not earn the bonus on that money (which is the only reason to use the DVA to begin with).

How do I use my remaining balance to purchase a Disney Gift Card?
To purchase a Disney Gift Card with your Disney Vacation Account, please call (407) 939-7734 to make your request. No more than $1,000 in total from the Disney Vacation Account can be used to purchase Disney Gift Cards every 90 days. Also, your Disney Vacation Account must be active for a minimum of 60 days in order to purchase a Disney Gift Card. Please request your Disney Gift Card at least 4-6 weeks prior to your trip to allow time for delivery to your mailing address.
 
IIRC, you can withdraw your funds back into a Disney gift card but you do not earn the bonus on that money (which is the only reason to use the DVA to begin with).
Right, but you can't draw directly from the DVA to pay for purchases while on site at Disney, which is what the poster was asking.
 














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