I too was on the fence. What pushed me over was the fact that while vacationing at Disney I could stay in a Deluxe accomadations EVERY trip. I was going to splurge this year and stay at a monorail hotel, but it was $2800 during Presidents Week for 6 nights
The last trip to Disney we stayed at the All Stars. The All star resorts are really great Value resorts, but they don't have the same magic as the Deluxe ones. However, I'm also a bit frugal so the thought of having to pay $2800 for 6 nights or $466 a night made me turn to
DVC. Since I was going to pay $2800 for 6 nights anyway I just deducted that from my 150 point contract at the BWV. The net was about $11,000 which was alot better than paying $3000 every year.
We just took our 1st trip and it was wonderful.

We had a 1 bedroom at the Boardwalk with a boardwalk view. It was so magical.

I sat out on our balcony ( we had 2) and just watched the boats come in and all the activity on the boardwalk. It was so relaxing! The one bedroom was just awesome. My favorite part was the washer and dryer (believe it or not). We had clean clothes the entire trip. Having the kitchen was great. We ate breakfast in every morning (which saves $$$) and we had all the comforts of home. Fresh Fruit, cold soda, juice and bottled water, etc. We also enjoy the spaciousness of the room. The kids loved that they had their own TV in their room. We went back to the room a few afternoons to enjoy the pool and rested and took the parks much slower. As others have mentioned, I too was a commando and this trip I wasn't a commando

I waited in line at EE when it broke down and they didn't know how long it would take to fix because I wasn't in any hurry. If I didn't have DVC I would not have waited and would have missed EE.
Before we bought we did the math again and again and again. But after we made the decision to buy into DVC I realized that its not about the money. It was about allowing ourselves to enjoy our life by being able to vacation at an excellent resort year after year after year. It was a gift to ourselves to escape from the winter & the rat race every year and enjoy a slow paced magical vacation at Disney. We have something special to look forward to every year now and I'm really glad I did that for me!