I think those of you who responded as to why you won't buy DVC are listing all the exact reasons why DVC won't work for everyone.
We are DVC members and own at 2 resorts. My dues cost me $900 per year. both my contracts are paid in full so that is my only expense, the dues. for $900 a year I get two 6 day vacations, one in a 1 bedroom, the other in a studio. I have never got "stuck" with having to stay somewhere I didn't want. and we have gone at all different times of the year. Personally I like all the DVC resorts and have no problem staying at any of them. Of course I have some I like more than others!

. You don't buy DVC as an investment, or to get Disney perks. You buy it to have pre paid vacations in deluxe accommodations and to not have to worry about getting discounts or worry about room prices going up. the biggest discount DVC gets is about $100 off annual passes. We do take advantage of that but that is not a reason to buy into DVC. someone mentioned pool hopping. There is only 3 pools we cannot hop over to, BLT, BCV, and AKV. We can hop to any other pool on property. For me, I love planning and can plan a trip 11 months in advance easily. But there have been times I have booked my DVC trip 3 weeks before I wanted to go and we got a room, and that trip was the last week in April! Maybe we have just nee lucky!
This is a great thread and I think anyone who is considering DVC should read this and ask themselves these questions that some of you have said.
Oh, one more thing, you can trade out and go all over the world with DVC and use your points for the
Disney Cruise, California, and now the DVC resort in Hawaii!!