I'm probably not going to be very helpful, but I own DVC and live about 20 mins away, in Davenport. I bought when I lived in Missouri, but kept it when we moved about three years ago. We still use ALL of our points and are pretty much almost into borrow mode. Yes, WDW is nice to drop in for a few hours on the weekend, but there is still something about staying there, and having a vacation, the best part... no plane flights to book! Honestly, sometimes even if I forget something, I live without it as I don't like entering back into the real world while I am there if that makes sense. We usually use it for Marathon Weekend, but have a three night stay at BLT coming up in a few weeks too. What's even better, and well rather dangerous, is that it becomes easier to use your points... oh look a three night reservation is available at BLT in two months! Sounds fun lets book it! *shakes head*
Last thing, it's great if you want to bring friends and family together at WDW for vacation. For example, Last January for Marathon weekend we booked a 2 bedroom for 6 nights, if we had travelled to Disney from Missouri we would have needed the points for a longer stay in a smaller room, however because we no longer needed 9-10 nights, we could easily book a larger room and have everyone come. We are looking at doing the same in January 2020 too.
The only thing... I am not entirely sure I would buy in at current price per point, almost every point we bought was under $100 a point.
Jennifer