Bought into DVC on my cruise last week, did I make a mistake?

[klepton]

Hey guys. I just got off the Disney Magic on Saturday, and on Friday bought into DVC after talking to many very happy DVC members. I bought 320 points at Aulani, in Hawaii (sorry, I don't know all the resort acronyms yet ). I paid about half down and financed the rest at 9%, thinking I'd find much cheaper financing once I got home and pay it off early with DVD.

All the math seemed to work out, and there were specials onboard ($7 pp discount + $1000 savings) which is why I bought into it there.

After reading the boards here, I'm starting to think I made a mistake for the following reasons:

1. I didn't buy a WDW resort (Could have bought Animal Kingdom for the same price)
2. I'm buying direct (didn't know resale was so much cheaper)
3. I was planning on using the points on a mixture of cruises, resorts, adventures, and RCI trades. From what I'm reading here DVC is only really beneficial if used at Disney Resorts.

I think I put a little too much stock in the dozen or so DVC members I talked to on the ship, who all raved about DVC as if it was the best thing in the world.

I am within my 7-day window of cancelling. Should I do it? Will I get a full refund of my deposit or am I already out some fees?

Should I have even bought Aulani?

Can you get a higher rental price on your points if they are direct (and unrestricted) than if they are resale?

Thanks for any info you can provide. And thanks for all who have commented previously on these boards and made it the wealth of knowledge it is today!