We have annual passes and I have to say that the $100 off annual passes perk for DVC members just CANNOT be beat! It brings the price back down to what I used to pay as a Florida resident for an annual which makes me very happy!
I think we figured out that if you use your annual pass for at least 10-12 park days per year it's worth it. Don't forget about the merch, tour, & other discounts that come along with being an annual pass holder.