Wow, yeah, that’s a lot of questions. hehe. Totally normal though, I will try to answer a couple things.
You do get a discount on annual passes, it’s $100 off the normal adult rate. I believe I paid about $350. for the discounted adult pass.
Some other discounts include merchandise at certain DtD stores, 10% off some dining if you don’t do the DDP, if you ever want to use the Disney Florist there is a discount there too, a good discount on certain tours, etc.
You might want to look for more pictures of the Animal Kingdom Lodge Villas, they are totally NOT dreary. We stayed there for 8 nights a couple weeks ago & LOVED it!!! The rooms are GORGEOUS and totally comfy. If you want to look at my latest TR I have lots of Kidani pics in there.
Yes, there is a GREAT “referral discount” occassionally, that’s when we bought during a referral discount time & saved a good couple thousands of dollars! Although, as far as I understand you had to give a referral name during your FIRST phone call to DVC. I know they are REALLY fussy about this, at least back when I bought. This could have changed or I could be wrong but I was pretty sure that if you have a referral name you have to give it upon your first contact with a guide or it didn’t count.
Otherwise, don’t feel pressured by anyone. Take time, read into everything, & make sure it’s really for your family. There are LOTS of DVC passionate people out there who are glad to help.