I've noticed on other message boards that many many people use their DVC points in a manner that they squeeze every tiny bit of monetary value out of them. They only travel in low season, only stay at resorts with lower point levels, rarely try another resort, and would never dream of using their points for a cruise or other adventure.
This isn't really how I use my DVC, and I wonder if it's how you use yours? Squeezing it until it bleeds just isn't my style and I tend to use my DVC more for it's luxury, ease, and peace of mind. I'll book in other Disney resorts, don't travel by cost of the season every time, used my points for the cruise, and pay premium points to get the better view or concierge service.
I don't really track if DVC is saving us money, because honestly we had stopped traveling for quite some time before we bought into DVC. I look at our purchase more as an increase to our quality of life. I love my DVC, even if I don't use it to save the most money possible.