Renting points is one of the hidden gems right now
There was a thread on here dedicated to it if your looking for more info
Perfect example, In your situation it pays to invest in the DVC and if you wanted to take a different vacation you just rent your points, easy breezey.
Is your DVC able to pass down to your family? For some reason I though they weren't but I haven't really done much research on it.
We looked into it a few years back but for us it didn't make sense for us.