To buy or not to buy.....

[Peace.love.mickey]

I know, I know...I have read and read and still feel dumb about DVC...

Here's my deal, lay it on me.... what are your thoughts...

• I go to DL about 4-5 times a year for 2-3 days at a time and have been doing this for years and plan to continue forever
  
• Sometimes I book a trip only like 3 months out, I suppose I could plan better
  
• I like to stay on site
  
• I don't need a lot of space, sometimes the whole fam comes out and we get 3 rooms.
  
• I try to get out to WDW every 5 years (planning in November this year), not picky where I stay out there, but onsite for sure.
  
• Resales scare the poop out of me
  
• Have about 5K now
  
• Disney cruise is 3 years
  
• Not really trying to plan for using it other places
  
• I am a bottom line kinda girl...what's my bottom line?
  

I don't want to go listen and then jump without some opinions..going back to DL in 3 weeks, was going to go ont he "tour" then!

THoughts? THANKS!