I’ve not bought into DVC. But I’ve one several occasions dreamed of it and went through the work of calculating the cost/benefit.
I think no one can give you a direct answer as to the right decision for you, although your list gives reason to suggest buying might not work well for your family.
In our case, based on how we typically vacation (how often we go to Florida) and then DOUBLING that, it would take on the order of 24 years of ownership before we would “break even”. Which means, in a very practical sense, it makes no financial sense at all. The truth is, for the cost of the maintenance fees alone we can usually find an off-site condo with several bedrooms and full kitchen. Okay, we’re not “on property”…but then, is being on property worth thousands of dollars to us? Nope.
Others feel differently, of course. And while I’ve LOVE to be able to stay on property, it just doesn’t make financial sense. So, for our first on-property stay in 25 years (next year), we’ll be utilizing DVC point rental instead.