4greatboys said:
If you buy resale its a lot cheaper than through disney. We paid around $20 less per point resale vs Disney back when we bought.
We have really enjoyed our DVC membership. The Villas are so nice We use the kitchen and the washer/dryer and its nice with the 1 and 2 bdrms so there is more room to spread out and not be so on top of each.
Not necessarily. Disney is offering a GREAT promotion right now, where you can buy in at $86 per point. Yes, you can find some resales for around $80 per point, however those contracts end in 2042. So, going with Disney you get the extra 12 years as SSR contracts ends in 2054.
We have 3 young kids, and as others have mentioned, staying in a regular hotel room with 3 kids is not fun. The DVC villas can't be beat! Talk about feeling like you're living in luxury!
As others have said, the biggest difference for us is the amount of trips we can take now! From my signature, you can see that we did 3 trips in 9 months this year! Yahoo! Plus, our trips are soooo different now! No more park commandos. We actually have REALXING
Disney vacations. There is no pressure to do it all, because we know we can and will come back soon. Addtionally, as the kids get older (7, 5 and 4 now), I plan on doing little one-on-one trips with each of them. And DH and popped down this fall to do F&W without the kids! DVC has added SO MUCH to our quality of life!
By all means, head on over to the DVC Boards and read until your eyeballs fall out of your head...there is so much information there, and wonderful people who will patiently answer all of your questions. Fair warning--we are a bit, ummm, fanatical about our DVCs,

so people give lots of info. and lots of opinions.
Think about paying up front vs. financing. Most on the DVC boards will state the cost is only worth it if you can pay upfront and save on the financing charges. The other way to handle this is to take out a home equity loan (much lower finance charges, which are tax deductible) and thus pay Disney in full, rather than to finance through Disney.
lol...Ok, enough. I could go on and on an on...I just LOVE DVC and it is the best vacation decision we ever made!