@M.T. LOTT, DVC members can purchase annual passes at basically the same price as Florida residents, just have to pay in full. DVC members can also purchase a meal plan up to 48 hours before check-in date. Which means not having to cancel 45 days before check-in date if you purchased a package with room, tickets and dining. Don't believe there is a discount on the dining plan if you add to DVC resort reservation. My January 2017 points reservation shows only the QS plan available. But I'm sure you can upgrade to TS if you call.
DVC members get discounts on some dining, merchandise and hard ticket events and tours. Check the DVC website for member benefits.
One thing that isn't disclosed are discounts on cash DVC reservations if you've used up your allotted points for the current and next use years. Not all DVC resorts give the discount, but it usually beats any discount offered to cash guests.
If you travel by air, but would like to not have to pack or ship items other than clothes, shoes and toiletries, there is a company called Owners Locker that provides discounts to DVC members. What you get is a big purple storage box you can pack with things like a filtered water pitcher, sunscreen, diapers, a Keurig, etc. Basically anything you'd like to make your stay more comfortable and not have to pay Disney prices to purchase at your resort or drive to a local store. Your purple box is stored in a temperature controlled warehouse and is delivered to and picked from your resort. Since I drive...live 4 hours away...I have my own version of that purple box. In it is a filtered water pitcher, an electric kettle, knife set, salt/pepper/sugar/honey, tea, etc. We typically stay in a one bedroom villa, so we have a kitchen...but it's not equipped with everything.
If you like to cruise, you can use your DVR points to pay for your stateroom. And every year, DVC charters a member only DCL cruise. Thus year is a cruise from NYC. Next year is a 7 night Caribbean cruise.
You mentioned a point range of 19-22 points a night. Is that for a studio or one bedroom? Saratoga Springs and Old Key West are usually the cheapest resorts, point wise. And as the largest, usually have rooms available. I quite frankly wouldn't make my decision to buy into DVC solely because I want to stay at a deluxe resort and can't justify the rack rate. While the studios at GF, Poly and WL can sleep 5 with the additional murphy bed, it will be cramped.
Just make sure you've run the numbers and DVC makes sense both financially and for how you vacation at WDW. Most will say that if you can't pay cash for your contact, it might not be the best for you. And don't forget to consider the annual maintenance dues. They are based on your ownership (points) in a particular resort and can be several thousand dollars.
Good luck.