Disney Vacation Club or Not

So - here I sit, my eyes buggy from reading about all the different opinions and options of the Disney Vacation Club (DVC).

I can't even wrap my mind around it all to come up with a decent post.

Would it make more sense to just save money to vacation? Is it worth the annual dues?

If we didn't do DVC we would probably never stay at those Deluxe Resorts within walking distance to the parks.

If we do DVC - what resort would we want to be our "home"? I'm leaning towards the Boardwalk, because you can walk to both Epcot and Hollywood. Or boat there. Walk to Epcot - hop on the monorail to Magic Kingdom. The only one we'd need a bus for would be Animal Kingdom.

If we do DVC - there is no housekeeping service. No Magical Express from the airport to the resort. So we'd have to rent a car or call a cab.

How, exactly does the trading of points work with RCI? Where can we go?

As a DVC member would we get discounts using cash at other Disney resorts?

Can we use our points at other resorts not within the DVC?

Would we rather use our money to buy a trailer and land up in WI?

If we belonged to DVC it would force us to vacation. We, surprisingly, have a difficult time spending money on big things like vacation. This DVC would force us to use our points at least every other year - and take super nice vacations. Not just Disney. Hilton Head, SC looks beautiful. And over 500 other locations - but I have no idea how those other locations work! ha!

I know exactly where we stand as a couple.

We both want both. DVC and land/trailer.

I want DVC more.

Mike wants land/trailer more.

Why can't we just have it all?

And - I am officially stating that I am willing to give up my Starbucks for this. (and I love my Starbucks)