I sold my VB - it was not a good fit for my family - we like the Panhandle not the Ocean - and I had brought another timeshare on the Gulf - besides my brother needed the money - and no the ownership is complete mind - but I share with him -
I wish some of the old stuff was still there - the books that explain everything, the free tickets (okay I know that won't happen again), the advance check-in, Disney dinning, the food and recreation plan you could buy.
DVC will try lots of things - some they kept others they don't. they are very flexibility.
As far as the Disney resorts being to expensive using points - hey for years and years this plan was not changed - everyone then was telling me I was crazy to stay at the Polyn using points - the points then were 22 points per night - I think the lagoon view rented for $275.....
if you want to do something with your points - go for it - they are your points.....
I don't mind studios - so I save in the studios alot!!!! Now don't expect to save money if you are staying in one hotel room and suddenly start saving in a 2-bedroom - this is not going to happen.
their you will save 70% after the first 5 to 8 years is based on a studio stay.....which I think compares very well to the hotel rooms on Disney property. Not the 1, 2 or 3 bedroom - unless of course your family was large enough that you had to have 2 hotels rooms - then the 2-bedroom is probably a better choice - of course I am cheap I would probably go with 2 studios (if possible - if you childrens are little this is not possible - there must a 18 year in each room).
the disadvantegous to SSR are about the same as OKW - not within walking/boating distance of any of the parks. OKW and SSR are both within boating/walking/bus of DD.
do you like to party at PI? if yes - then I would think SSR is made for you. If no - I would go with OKW - or if you want to be close to a park - BWV, BCV or VWL - depending upon your favorite park - kept in mind this could change.
I own mostly at OKW (it was DVC when I joined) have small amount of points at VWL and BWV - for the first two weeks of Christmas - if you don't own at WDW don't expect to be able to go at this time.
lately on the resort boards - there is a larger than normal demand for the Epcot resorts for the food/wine festavial. This is the first year that I have heard that just about everything is already sold out for that time.
you know all your points don't have to be at one DVC resort.
we went to HH - kept in mind that Disney's HH is NOT on the ocean - it is on an island - you can drive, walk, bike or take their van over to the beach house. I don't particular like to golf or do tennis - now don't be insulted - but those are what most of the people who visit HH are into big time. I am not!!!!
I would think you would be better off buying a Marriott at HH - there are at least 2 on the ocean/beach - and my stay there was great. It depends upon what you want.
I love WDW so DVC was great for me.