We've been DVC members since Feb 2001 and so far (2001 and 2002) we used our points to stay at the GF and then the Contemporary Tower.
This will be our first year staying 'home' at the BWV in a 2 bedroom (we invited family).
We are a family of 4 with 2 DD's who are young....3 and 6. I really wanted to be able to stay in the monorail resorts while they were young and we never could afford the GF before or the Contemporary Tower before. Now we were able to stay at the monorail resorts through our DVC points.
I don't regret it for a minute. Although with the chart changes since our trips and after staying at a 2 bedroom this coming Fall, I can't imagine going back to the monorail resorts!
Good luck!