17000 DOWN payment?
How many points are you buying?
Or do you mean you're buying 17K worth of points, and are considering that your "down payment" and seperate from the maintenance fees?
The rack rate for a 7 night stay at the All Star Suites would be app. 1400 dollars, or 10% of the amount of money you need to get 160 points at AKL. And that's this year, the rates will go up.
Meanwhile, a week in a 2BR Savannah Villas at the Animal Kingdom DVC could cost as little as 270 points, depending on when during the year you'd intend to go. If you went during Xmas week, it'd be 473 points!
Of course, maintenance fees will go up too, but usually just a few pennies a point, I'd guess that, most years, the regular nightly rates for a non DVC room will go up more than the maintenance fees.
Here's a point chart for the Animal Kingdom DVC
http://www.dvc-resales.com/Animal-Kingdom/index.htm
Figure out the time(s) of the year you're most likely to go, and how long you'd kike those trips to be, & that'll help you determine if DVC is right for you.
I'm a DVC member, and while I'm not the sort of guy who feels like he's gotta pamper himself, I must honestly admit that I don't know how pleased I'd be staying in a Value - even a Value suite - after the time I spent in Deluxes and DVC units. I'd do it in a pinch, but it wouldn't be my first choice. The size of the rooms, the amenities (the nicer food courts), the locations, all contribute to a more nejoyable vacation for me. We're not the family that has to spend all day every day in the parks. We enjoy some leisure time at our resort. And while we haven't stayed at the AKL since it became part of DVC, we're gonna try for stay there again ASAP (I'm sure your husband was told this, but DVC members can stay in ANY of the DVC resorts, it's just subject to availability like everything else, and if the Animal Kingdom Lodge were not your home resort, you can't try to reserve a room more than 7 months out; you have an 11-month window for your home resort).
If you're still not sure, consider this: Some DVC members rent out their points when they know they won't be going to DVC for a spell, and/or they need some cash. They usually run 9-13 dollars a point. You could always try renting points and see if DVC is right for you that way.