csmommy - It sounds to me that if you could afford it you could probably get the minimum amount of points & be able to take a very nice vacation every few years.
BTW - we also vacationed for about 10 days at the beach every year when our DD's were younger. It was a nice vacation because they really enjoyed playing in the sand & that's about all they wanted to do. Honestly, it was more of a vacation for my family than it was for me though. It was so much work shopping, packing, unpacking, cooking, cleaning, packing again, unpacking at home again & then doing laundry. Don't get me wrong, I really enjoyed it & it was the right thing for us to do when they were younger.
We still continued to take WDW vacations, but they were shorter than our current ones & many were offsite

!! As our girls got older we realized that the 10-days at the beach had run its course. We began taking longer WDW vacations & just short weekend trips to the beach.
We finally decided that WDW was really where we wanted to make our family memories & that's when we joined DVC. We still do the beach for weekend trips & really enjoy it.
We purchased an OKW resale in Dec. 2002 & I currently have 3 trips planned with our pts. One this Nov. & next April with our DD's &

One without them in Oct. which they don't know about yet

They're going to have a fit.
We have 3 DD's so we need the 2BR units which are more points. When just DH & I go we will be staying in a studio at the BW. It looks as if you can get a studio for your family of 4 unless you really wanted larger accommodations.
FYI - We bought the resale through The Timeshare Store & got one with points that were banked, so I looked at it as getting bonus points & those are the ones we are using for our Nov. trip.
Anyway, sorry this is such a long post, but if you are thinking about DVC, it's a good idea to get all the information & opinions you can.
