What risk? We're talking about $2,000. Roughly $2,500 all-in with closing costs. A week at Disneyworld already costs more than that. And OP would be able to grab two DVC weeks right now -- a 1bd and a studio.
And if someday down the road, it no longer trades like that, it will sell for around $2,000.
I'm not suggesting that she buy some week in South Africa -- as was a popular solution years ago. It's a known quantity which has worked the same way for decades now.
I would also consider what the yearly maintenance fees would be.
I did an experiment this year and stayed a few days at a DVC resort and a few days at a non-DVC resort. Other than the free bus to and from the resort, for my needs I found the stays fairly similar. The non-DVC resort rooms were actually a bit bigger.
I did not take advantage of any park hours though due to my schedule. My trade to the non-DVC resort was much less expensive for me overall.
I do acknowledge that there are some perks for staying at a DVC resort that may lean people that direction even if the cost is higher.