Hi Amanda--
First of all--good for you for doing your homework and researching before you buy!
I think many people buy DVC as an emotional purchase while on a WDW vacation and then end up angry b/c they can't book at _____ (fill in the blank) for next month as it is already full. So consider yourself way ahead of the crowd already!
I have read some of the negative DVC remarks here and I attribute them to a few things:
1) As you said, these were cash-paying guests. Yes, I adore my DVC---BUT if I was paying 300 - 400 or more per night, I might be somewhat miffed. That is a ton of money. And although the resorts are lovely, I don't know that they are worth that.
2) Sticker shock. People think, "sure, I love Disney so I'll look into DVC..." and then they find out the price of the inital buy-in and freak!
3) They may have encountered one of those DVCers who is at the front desk demanding something because "I paid $20,000 to be a DVC member and I DESERVE ______ and you better do it for me RIGHT NOW!"
I just had my first experience with #3 above and was embarassed to be a DVCer at that moment.
So, if I heard that comment before being an owner, that could possibly taint my perception of what DVC owners were like.
Those of us on these boards are just plum crazy about our ownership though!