I bought a very cheap Wyndham contract on eBay

For the equivalent of 168 Disney points, I can stay in a 1BR for a two weeks at Bonnet Creek (just across from CBR), which has a shuttle to the parks but is not actually on-site (i.e., no Disney benefits). The buy-in was a fraction of the cost of
DVC, MF's are similar, and I can dine at the Waldorf or Hilton and combine a stay there with Sunday-Friday at DVC for a total of 12 nights, twice a year

I bought my DVC points with the intention of sharing them with my adult children and their families, and, by combining DVC points with Wyndham points, the kids can stay at DVC for a week every 2-3 years while I get two 12-night trips a year (10 DVC & 14 Bonnet Creek) if I choose.
As a solo traveler and a very organized & light packer, it's no big deal at all to me to change resorts. I'd rather have longer trips, and I just couldn't justify the expense of a DVC add-on.