I own DVC and I am going to disagree with the first statement here. They are NOT considered "Deluxe" accomdations. Even Disney does not market them that way.
The things that make them "not deluxe" even by Disney standards are things I can easily live with
1. No daily maid service.
2. No room service at SSR or OKW
Bed quality, service and other features are comparable to Disney Deluxes.
TRUE deluxe hotels provide "top drawer" service (Sorry, Disney fails here), Top quality bedding (failed again ) and and overall "luxury" feeling. Disney doesn't do that.
However, I have had mine for years and I consider it "pre paid"
Disney vacations and love it!