I've been considering DVC as well. What has sold me is the fact that you can stay on-site, in say a studio room, for the equivalent of about $150/night with no hotel tax. In order to do this, you pay about $1,500/year to buy 150 points (initial cost of points, plus maintenance fees going up say 3% per year, plus some interest paid on your initial purchase - or investment earnings foregone, all divided by 41 years).
Those 150 points can get you about 10 nights in a "regular" hotel room, maybe 5 nights in a one bedroom suite.
And as you've probably read, you can bank and borrow these points. Also, if you choose not to go a certain year, you can rent out your points for $1,500.
So...you can lock in the price of $150/night (with no 11% hotel room tax) for a room for the next 40 years. If you wouldn't use the room, you can "sell off" that year's room by renting. Considering that Disney is now charging about $300+tax for a similar room today (who knows how much in 10 years), that's a pretty good discount.
So, are you willing to commit to spending about $1,500 a year for the right to stay in a studio for 10 nights, a 1 bedroom suite for 5 nights? Keep in mind that if you don't want to go a particular year (or use that many points), you can bank your points or rent them (and get that $1,500 back).
And if 10 years down the road you decide you won't use your points enough and you don't want the hassle of renting them, there is a very good resale market.
My $0.02.
