Hi again Michelle
...... it depends ..... It was for us because a) by the time we bought 10 years ago, we'd already been to Florida more than 10 times and wanted nicer accommodation in lovely surroundings b) we had always been folk who travelled around when in Florida so the flexibility to book a few days at a time suited us and c) travelling offsite to a villa - and the time it can take - never appealed to me (we did it once; villa great, the journey to and from Lindfields, not so great and soon lost its novelty value for us).
It *is* expensive, and unless you really want to be on site, I'd proceed with caution. Renting points, as you are thinking of doing, is a good way to go if you have any doubts at all.
Another disadvantage can be flights if you need to travel at peak times. Easter was 'our' time when our son was young and often I'd get a package including cheap accommodation (eg Comfort Inn at Lake Buena Vista) for the same price - or less - than flights only! Quite often we'd leave the cheapo hotel for days at a time and see other parts of Florida.
These days, we're more likely to have spent a week somewhere else, eg New Orleans, Savannah or even on the west coast and then fly to Orlando for a final week of chillin'
. The point I am making (in a very long-winded way
) is that it is easy to avoid using high weekend points nights and actually
enjoy doing it. For some people - and I suspect most people in fact, (especially with young children) - my way would be awful, and they'd want to get into their accommodation straight away for the full 14 nights. This as you've discovered, is an expensive way to use DVC.
I've seen you've been given some good advice on the US boards about not buying more points than you need with the aim of renting them out and I think you've decided against that? The other thing I'm pleased to see you consider is
where you want to buy. I'm one of the believers in 'buy where you want to stay' most of the time - why would anyone belong to something so expensive only to risk being disappointed?
The bulk of my points cost in the $60+ region and if they were worthless tomorrow, I've have had my pleasure (and money's worth) out of them - I just
love my DVC. I find the current prices very high though.
In answer to your specific question, I'm pretty sure DVC would cost you more than booking a villa for 2 weeks every other year. Where you
would save, as you already discovered when you priced it yourself, is on staying at the high-end Disney resorts for 2 weeks - depends on whether you want apples or pears. You are wise to ask lots of questions and do the research.