Don't know the average cost of a DVC contract. We bought a whacked/odd number of 315 points because I wanted to stay in the Poly Bungalows and for 5 nights is was around a $1,000,000 cash, (or something). And my husband threatened to divorce me. So I talked to the DVC guy and he said if you buy 315 points, we are allowed a one time match of the same and that will allow you 5 measly nights at the bungalows. So, as we were contemplating buying into DVC anyway, I arm twisted my husband and we got that amount of points. (That was several years ago when it wasn't as expensive, the point cost has risen quite a bit).
It's so ridiculous how many points you need for the bungalows because those same 315 points can, I think, depending on season, get you more than a week in a 2 bedroom at Baylake, almost 3 trips in a Poly studio etc.
And, the tie in to this thread and this possible soft time, is for DVC members Sirwalterraleigh is correct, many rooms are tied up with people like us not staying/using up all of our points in those expensive places, but seeking rooms elsewhere with surprisingly few rooms available if you want to stay on points.