DVC is the best purchase we ever made! Our membership has paid for itself 10x over, and we still have 30+ years to get even more value out of our purchase.
The links that have been posted in this site have lots of information. Take a look at it, and let us know what type of questions you may have. There are lot’s of owners on this site, and they always have great info to share.
If you are planning on only going for 1 week every 2 years, 200 points should be plenty for your family. With the banking/borrowing, you will be able to have access to 400points for each vacation…and this should be enough for 1 week in a 2 bedroom villa most times throughout the year at most of the DVC properties. There are lots of variables that come into play (time of year, DVC property, and type of view), so it can run you up to 615 points for a 2 bedroom for 7 nights if you go in the Premeir season and get the Magic Kingdom view at Bay Lake Towers. But on the other end of the spectrum, you can get a 2 bedroom for 7 nights at the Boardwalk in the value season, standard view for 224 points.
The great thing about DVC is you purchase a set point amount, and then you can choose the time of year and place and view to fit your points.
The cash price for a 2 bedroom villa can run approx $400 - 700/night. So for 1 week, it would cost about $3000 - $5000. In approx 5 vacations in a deluxe, you will more than pay for your DVC membership, and will still have many, many more vacations to get plenty of value out of DVC!
On the other hand, you can do Disney at value resorts, and compared to DVC, you will probably not save alot of money buy going with DVC…it really depends on your preference. We have been spoiled, and really love staying at the Boardwalk because of it’s location…so that is where we like to stay.
It’s totally worth sitting in on the DVC presentation, it is not a hard sell…they do not presure you at all!
Good luck with your decision!!