Still catching up on this thread. In the meantime just wanted to jump in.
DW and I bought DVC in 2007, 7 months after DD was born. We financed our purchase, which makes it more expensive for us in the long run. We got the 160 point-plan, and that's been pretty good for us, until now.
Now, we'ved added another child, DD is 4 and we still only have 160 points. So it looks like we need to add, otherwise we need to bank and borrow to do the kinds of vacations we are used to. When we do add on, we'll purchase outright and not finance anymore.
We've stayed at SSR mostly, but we also stayed at BWV recently, and we LOVED it there. We are going to shoot for BWV again on our next trip. We're going to squeeze the four of us into a studio to get the most out of our points. Hopefully this is the last time we do this?? We are also doing
DCL on our next trip, but will not use points for that. If we can swing it, we might spend a day or two at BLT or AKL on points before or after DCL. We're still trying to decide if our main WDW portion will be before or after DCL.
We like SSR, but found that it's a hike to get anywhere without a car. Buses are reliable, but can be packed at times. There's no way I am taking two kids that are both in strollers on a bus. I'll rent a car instead. Room location at SSR is also key. A room close to DTD allows you to walk there, which is nice. But that means you are farther from guest servies and food court. They've added some food options with the new pool area, so hopefully that helps.
at BWV, shopping and food are all right out on the boardwalk, and you can walk and/or ride a boat to EPCOT or DHS. We even walked to Fantasia mini-golf from there.
So to sum up, I have no major complaints about DVC, other than not having enough points!!!