Let's see in year 1998 we stayed at All Stars and walked around BW area. Fell in love with it and I vowed (really I did!) that one day I'll stay there (that's when I thought I don't have enough $ to spend on a deluxe resort).
Then in 2000 we stayed at WL with a pin discount $159/night. LOVED the resort. We splurged because we thought "When else are we going to be able to stay there?". And when we were walking in the lobby the DVC kiosk was calling my name (ok, yeah not really. But it whispered... really).
We took the tour and realized that BW is the place we could buy into! I think we thought about it for about 15 min. And did the calculation in our heads to find that we could stay at BWV studio for the 11 nights for LESS than what we are currently paying at WL for 8 nights- with a pin code!
8 days at WL approx $1300
MF for 1 year on 150 pts - $750
Ownership cost 1 year - $243 ($10200/42years)
TOTAL: less than $1000
We understand that we're talking about studio at slow seasons but even with peak season we can still do 6-8 nights without a sweat. And we try not to go during peak season anyways because of the crowd. Also, studio is enough for us for now. That's why we were happy with the 150pt.
After we signed tho, we found out that WLV was being built. I then saved my $ to add on as soon as it went on sale. Both are my favoritests resorts on WDW property...
10 years later, we got married on BW Sea Breeze Point stayed on both properties (BW and WL) for our honeymoon...
So DVC is a great deal for us. Oh and we go to disney at least once if not three times a year...

Depending on vacation budget and time off situation.