That sounds like me and I think I have said that somewhere so you are probably remembering correctly lol.
If/when kids come I don't think my outlook will change all that much though other than the timing of our trips. And I think that's when you would want a better home resort advantage anyway right? When you become less flexible as a member.
I have resorts that I like and a mix that are fairly future-proof with direct and resale, and all are paid off so it's only dues. Even after all of our purchases we are lucky enough to not really be hurting for money and are well set up for the future. House almost paid off (less than 3 years left), good retirement accounts, etc. And I can rent some points out when we need a break or can't make it.
And is that 900k per kid or total for all your kids? 900k per kid would be an extra 50k per year from 0-18 seems wildly excessive and I'm sure it can easily be done for much less. Sure you could spend that, but you don't have to. People raise whole families on less after all. The first few years are obviously very expensive, even more so if you have to buy formula and/or pay for childcare of course, but after that there's no way 50k per year should hold.