I have both perks (from 35 points dvc hhi purchase years ago) and no perks (resale). The biggest benefits are DVC AP, staying in the new resorts, and being able to go to Disney moonlight magic (which is a lottery and disboards reports quite a few do not get tickets). We use MM as a free park day, as one can enter 2 hours before event time. We've been on the DCL DVC members cruise, and, while great, I’d never buy direct for the cruise as the “regular” DCL cruise awesome enough for us.
DVC does sometimes offer some good deals, especially if you strategize use year to get extra (free) points for that year and there’s a “magical beginnings” offer to sell those extra points back to dvc.