If you are looking for "bang for your buck," you need to read some more about timesharing on
TUG - Timeshare Users Group. It's a website by owners for owners (and those considering a purchase). Regardless of where you are thinking about buying, you are sure to learn plenty there. The bulletin boards and Advice articles are mostly free access.
The single most important piece of advice out there is to look into resales before you buy. In most cases, this will save you 50%-75% off the developer pricing. DVC is an exception (though resales can still offer an economical way to buy at certain, sold-out home resorts).
Certainly, resale points for Star Island will cost far less than any price you've been quoted... easily under $5,700 (175,000 points pays for 2BR Deluxe week during Easter/Spring break, Christmas/New Year's or summertime) to $7,200 (224,000 points for a 3BR, same prime season). A 2BR or 3BR DVC during those times would cost several times that.
But these are different kinds of programs. DVC is great for the Disney fan who will return most years and primarily use it at DVC resorts. Fairfield is more for families who want to travel around (especially eastern U.S., Hawaii, etc.) and stay at a wider variety of places, including some Florida vacations. The internal reservation system is good for that. Many other timeshares are more useful for families who like to trade out as well. HTH.