For 2 weeks in the summer at Beach Club Villas 2 bedroom, you'd need 622 points. At $110 per point, you're at $68,420. Let's say you have to finance that over 10 years. At a decent interest rate, you are now paying $108,480.
Now, let's add in dues. At the current rate, you'd be paying $3,078 per year. Over 36 years (and let's just say dues don't increase), that would be an additional $110,818.
Now, you're DVC investment has cost you $220,000.
Now, a standrard room at the Beach Club is CERTAINLY not apples to apples with a 2 bedroom villa. However, Disney doesn't allow my family of 5 in a 1 bedroom villa (I wonder why).
I'm staying at the Yacht Club (water view room) for $3,600 for 2 weeks this summer. We could have stayed in a standard view for $2,900. We could stay in that room for 2 weeks every year for 75 years for the price you will be paying to stay at the Beach Club Villas for 2 weeks for 36 years.
Again, this does not include resort room increases, but it also doesn't include dues increases and possibly higher interest rates.
Point here being, DVC isn't a guaranteed money saver for Deluxe Resort guests.
Many different variables.