I happily stayed onsite and offsite before I bought DVC 15 years ago. I've long since recouped my initial purchase so I now look at the cost to stay as what my points cost per year in maintenance fees. And that makes it ridiculously cheap compared to rack prices. Even if one ignores the parking charges.
I am selling two of my three DVC contracts as I don't need that many points anymore. But I will keep one just to get the benefits - like AP discounts. But I think my strategy may be to keep one of my DVC contracts (SSR) but to rent out the points to pay for the maintenance fees and give me some extra funds to pay for an offsite stay. I didn't want to sell all of my DVC contracts as I like the extra benefits - but then I realized that I could still get the benefit of being a direct buyer even if I rented out my points.
We bought into DVC almost 9 years ago and have also recouped initial purchase. It was before kids too so now that we are bringing kids and we are 2.5 hours away it really makes Disney to be super cheap in comparison to so many other places.