Late to the comments on this, but what about larger/long term considerations? For example what if something happens if the owner would become incapacitated or even in the event of the death of the owner?
Another potential is in a divorce situation. I was in Bay Lake in the lobby one time and a woman was arguing with the person at check in, apparently her ex-husband had done something with their membership/points, and she was having a difficult time with her reservation. (I have no idea what the details of that were), lots of yelling going on!
We chose to have all of us on as owners, myself, husband and of age daughter, and when my son turned 18 as part of his birthday gift we added him as an owner. When I talked to DVC when we first bought they said in the event of a problem/death of one of us it could be easier legally to have all on as owners.
I will say I have absolutely no idea of the legalities of transfer of property or potential taxes involved in a time share at someones death. If someone on here knows, please comment, I would be very interested to learn more.