Our story is not much different than yours. We visited in '94 (we had been married 2 years) and took the DVC tour. We almost purchased at that time, but with some more thought decided that we needed to focus on other things. Five years later, we went on our next trip (after buying a house, dh finishing his 2nd master's, and having 2 babies!). We started planning our next trip right after we got back and purchaced DVC over the phone in mid-planning. I don't regret waiting for the right timing for our family. We've gone every year since then and have made some wonderful memories.
Welcome home!