Once again I agree with Esmerelda.
Some people prefer concierge, turn-down service, daily mousekeeping. None of these things are high on my wish list. I, personally, see my DVC as my "home away from home". I like the washer/dryer in the room and see no reason to have housekeeping. If I want to sleep in until 11 am one day.....I don't have to feel any pressure of a housekeeper pacing outside my room waiting for me to leave. We do get trash and towel service on day 4 of our stay. This is the traditional way timeshares operate. We also have enough points to stay the weekends, but often choose to stretch our points out and get more stays out of our DVC during the year so we have no problem splitting our stay with another resort (DVC or non).
As for planning ahead......often times, even with the regular disney resorts you need to plan well in advance if you want a certain resort. I can tell you, the WL tends to sell out quickly---particularily the weekend nights. I am not talking about VWL (DVC), but rather just the disney room staying on cash. I've tried booking stays at the WL 3 months out and could not get all my days. Actually, I booked the WL for Aug 4-8 back in Feb. I just checked availability today and my dates are not available. So with any reservation and particularily during busy times, one must plan ahead at disney if they want a specific resort. Holidays, Food and Wine are going to be popular times.
But I've been able to get BWV, VWL, OKW, SSR at less than 60 days out. I got VWL at about 45 days out for this past Oct. BWV and BCV will be tough to get during Oct/Nov due to Food and Wine (though I found availability at BWV this past Oct). The first two weeks in Dec are VERY popular with DVC because this is when the points are the lowest. I even had trouble finding a regular disney resort for the first weekend in Dec last year. CBR was all that was available to me at 45 days out anywhere on disney property. This is not the first time I've had trouble finding disney resorts during Dec less than 3 months out. We've also used our points for disney cruises though it's not the most cost-effective use of points. But it's an option.
Like Esmerelda said, DVC is not for every vacationer. It's for those who like having a home-away-from-home villa type accomodations. Kitchen, multiple bedrooms, washer/dryer are what is important to us. So you have to ask yourself what your priorities are and go from there to determine which vacationing option works for you. We love our DVC.....it's like prepaid vacations until dh and I are into our 80's.