While the floorplans are basically the same, I wouldn't necessarily call the DVC's cootie cutter. For one, even though the floor plan is about the same for every resort, especially in the studios, AKL has a different design than Aulani, Aulani is different than the newly renovated Beach Club, Beach Club is not like Hilton Head (although I think the flooring is similar, which actually isn't a bad thing), BLT is completely unique, even Poly and Aulani look nothing alike. They all have different theming and aspects to their design. The floor plans are also not exactly the same across the board. Aulani's two bedroom has a half bath that Hilton Head's lacks. Their kitchens are laid out differently. Hilton Head features large balconies with picnic tables, which no other DVC has. Poly defies the formula completely, with two showers (which, when you have four people in one room, is glorious). The placement of the DVCs can vary greatly. While many are just their own wing of the hotel, this isn't always the case. There are resorts which are entirely DVC units (Saratoga, Vero Beach, Hilton Head, OKW) and these quite often have very different layouts. BLT has its own building which is very different, not just from DVCs, but even from the Contemporary resort itself.
They follow a formula, but maintain their uniqueness. The design of each resort and the details in the rooms (and they are very detailed) definitely varies from resort to resort. Yes, the floorplans are basically the same, and you definitely see the similarities between the resorts (as you would for non DVC Disney resorts; they're built by the same company, so that happens) but I wouldn't go so far as to call them cookie-cutter. Especially certain ones, namely Aulani, Hilton Head, AKL, BLT, and Poly.