You would have to do your homework to see if the exchange is a good one. Check Tripadvisor and DVC RCI website for reviews. Once you decide on a property, you can run it by some of the RCI owners on the site to see what their feelings are. Basically, if it's a resort you want to stay at then it would be worth it for you. You just need to check and see what the amenities and extra fees are.
Gold crown properties are the better properties. Keep in mind that RCI probably doesn't have the same refurbishment schedule that Disney does. I have done two RCI exchanges so far(Las Vegas and Hawaii) and I have two more coming up. I've found the resorts to be fine and have everything I need. You have to remember that you're not at Disney and that things will be different. If you do that, you'll be fine.