I also live in Indiana but WISH I could live in Florida! I keep telling my (young) kids that the minute they graduate high school, Mommie's MOVING! My parents moved to the Villages last year, and already we have changed the way we use our points -- just a little. Because I have a "home base" so close now, we are scheduling more 5 day trips to stretch our points further. We visited at Christmas, too -- but we road-tripped back to the Villages because I couldn't bear to spend so many points. In general I think your being a local will just give you more flexibility on how you use the points you have... You can skip weekends or visit in the slower seasons, for example. And when you want a real getaway, Vero Beach and Hilton Head are both GREAT!
Even though my dream is to move to Florida, I would NEVER sell my DVC. Just being close to WDW on a regular basis would NOT mean I didn't want to stay there! Good luck with your move.