Brandy, go over to the DVC boards and you can find several folks with the same question as yours and the answers.
DVC works well for Lynn and I. We are able to enjoy a nice long WDW vacation in a one bedroom unit, save money by doing a lot of our own cooking, know it is maintained to a Disney standard, and enjoy
DCL trips (10 to date - Sept will be #11), Hawaii dive trip where we did an exchange, Disney Land Paris, and a Safari in Tanzania, (doing this again in 2007). I forgot trips to DL. Staying in a concierge level room at AKL and the Polly.
We were making our annual pilgrimage to see the mouse and it just made sense to become DVC members and actually have something rather than getting a resort room. Like prepaying your vacation accommodations in advance knowing that resort rates will be going up. This was when you could get Port Orleans for $79 a night, dont know what they are a night now but I am sure it has gone up.
We made our DVC purchase in 1991 and have done a few add-ons.
So we are spoiled with the accommodations, and the great trips we have been able to make because of our DVC membership.
In your financial planning, dont forget to plan for your annual dues.
Any other questions ask away.