I'll admit that as a long-time BWV owner, I'm prejudiced. When we stayed at BLT, we loved walking to MK. But we got tired of walking over to CR, riding up to the monorail station, riding to TTC, and having to transfer to the Epcot monorail, then reversing the route on the way back. (That may be the trip when we found out we spend more time at Epcot than at MK.) A similar thing happened when we stayed at AKV-Kidani; after a week, we got tired of riding buses everywhere. We're just spoiled by being able to walk or boat to Epcot and walk, boat or now Skyliner to DHS.
We initially justified buying into
DVC by saying it was a way to prepay our accommodations at a place we loved returning to year after year, so yes it was a financial decision. But over the years, we started saying it was the best thing we ever did for our family, because family vacations are for our hearts.
Besides, a lot can change in your life in the next 16 1/2 years. Buy what your heart says now, or wait until you actually stay at BLT and decide whether you love it just as much. Sixteen years is a long time to stay in one place while wishing you were in another.