Candleonwater, you've taken several trips during December. Were they during the lowest (Adventure or Choice) seasons (first three weeks) or during prime holiday (Premier) season? Also, you've mentioned a 6 year old. What are your vacation habits likely to look like in the coming years, with a child in school?
If you would be happy with a Disney Value room, such as the All Stars, then
DVC may not be for you, IMHO, especially when buying at today's pricing. If you anticipate many Christmas holiday week vacations in your future or many long weekend stays (when points usage is highest), then DVC may not be for you.
OTOH... If you anticipate many stays at Disney Deluxe hotels (especially during low season or mostly midweek nights), take another look at DVC. That's where it can provide the best value.
Personally, I would never compare DVC costs with rack rates for renting DVC suites...
because we would never pay cash to rent those costly suites. I would compare it with the onsite alternatives that we
would pay to use, like a (probably discounted) room at AKL or the Contemp or two rooms at the All Stars (we're a family of 5). Or, since
we do enjoy our offsite vacations, I would compare it to our costs for offsite stays in 2BR and 3BR timeshare condos. Neither of these comparisons really compare apples-to-apples in accommodations. But rather, they compare the
costs of alternative vacations that
our family would choose, with and/or without DVC, for the time frames that we would likely vacation.
So for us, DVC is not a good choice financially. Your situation may differ. Look at the comparisons for
your family's expected usage, both ways. HTH.
