I knew someone familiar with Golden Oak. Some owners of the multi million dollar homes bought into Golden Oak as their third or fourth home and live in Asia or Europe most of the year.Oh, I agree entirely. 33 and DVC don't appeal to me at all. Especially when, as you say, there are far better ways to spend your vacation funds. More options, more rewards, and better service than you'd ever find at Disney in the last 15 years.
And an aside. Have you seen those Golden Oak monstrosities? I had to take a dramamine for the nausea.