I agree with others that dues shouldn’t be a reason to not jump on board if you can afford it. Yes you will pay them, and yes you will be paying a higher amount each year, but it’s typically only 3-4%.
An important thing to consider is that the Mouse owns at least 2% of every DVC property (some more if they are sitting on a lot of ROFR contracts), so they are just as responsible for paying for dues on their points as well. Might not seem like much in the grand scheme but it essentially makes them the largest individual shareholders at each property and dues impact their bottom line as well.