I understand everyone's points. The advantage of going through an RCI exchange (as a non-owner of RCI), once the DVC reservation is in your name, NO ONE but you can access the reservation. I am not sure of the RCI terms to the actual owner. I do know for a fact that the reservation at WDW is only in my name and no one else besides me has access to it.
We arrive in 3 days. We can't wait to get there. I am sure everyone that has a DVC loves it for their use. In my situation, it just doesn't make financial sense.