My family has been going to WDW and one trip to Dland since 1983. Many times we too would walk past the DVC booths thinking it was not for us, that we could do better planning for our trips on our own.
This past March, we arrived in Florida two days earlier than we had first planned. We called WDW to see if we could get in sooner than our ressie's called for. This was the week leading up to Easter, and luckily for us, there was one room available. My DW and DD 11(at the time) were both feeling a bit under the weather, so on the first day, instead of hitting the parks, we took a tour of the DVC. Our DVC guide(Glen Wilson), was so kind and pleasant. He showed us all around, showed us the sales presenation, then left the room, so my DW and I could discuss what we would like to do. The rest, as they say, is Disney history. We joined that morning with 170 pts., within six months, we added on another 50pts.
This past November, we were able to take my Dmom, Dsis, and Dneice, along with us for 5 nights at VB, and 1 night at OKW. We had very nice 2 BR villas at both resorts. This coming August we are taking my Dmom with us on the 7 day Eastern cruise. Without our DVC points we would not have been able to do this with my family members, and they truly enjoyed themselves. We didn't eat out much at all during this trip. After arriving in VB, we went to Publix(about 5-10 min drive), and got our groceries for the week. We slpit the cost and it came to about $30.00 per person, a great deal cheaper than eating out all week. Besides my Dmom loves to cook, and I love to eat, what she cooks. If you look at the pictures that I have posted on my webpage(address below), you will see the photos don't lie, LOL!
It is so much easier paying out monthly for the points, then trying to come up with the monies needed for a nice vacation all at once. Without the DVC points, we couldn't be taking this cruise, and this is something my DW and I have wanted to do for a very long time.
Of course, you have to weigh everything out for yourself, but for us, this was the best decision we could have made.