I'm not sure anyone really answered your question about skipping a year. Regardless of whether you buy direct, or resale, the same rules apply.
You have the ability to use up to 3 years of points at any one time, if you plan appropriately. You can bank a year, and you can borrow a year, giving you 3 years worth. By doing one or the other you effectively "skip" a year or part of that year or years. Both require planning to make sure you don't miss a banking deadline or miss an expiration date but basically each years points are potentially good for a 2 year period. The initial use year they are in and then the following year if you bank them.
So, if you don't plan to go to Disney at least 1x per year, banking can be a way to join DVC with less points, use 2 or more years worth at once and see how you really like and use it before making a larger commitment.
You can always add on if it makes sense. We are a family of 6, though the older ones may not always come along. We started with 105 points, then added another 105 one year later, and are contemplating one more add on.
With our 210 points, in a 19 month time period we will have been able to do the following 4 trips.
- 2 nights OKW, 3 nights VB, 2 nights AKV all in a 1B. Magic Season.
- 7 nights at Aulani, all studio, 6 nights at ocean view, Choice Season
- 6 nights BWV preferred view 2B split Premier/Adventure Season, 3 nights THV, Adventure Season.
- 3 nights OKW Studio, Dream Season
So for example in your case, if you want a 2B at BLT every other year, higher season, instead of buying 400 points, you could buy 200 and either bank or borrow to get to the 400 you need and travel every other year. I would also factor in how far ahead you will actually be planning and booking. If it is 7 months or less, it really won't matter where you own as you will lose home booking advantage at that point and can book at any DVC resort pending availability. If that is the case there are other less expensive resorts, both direct and resale, with lower dues that may be a better fit.
As to the monthly bill it really depends on how you choose to go about it, if you do.
Whether you look at direct or resale, both can be purchased outright, or financed. I'm not going to weigh in on the pro's and cons of either, plenty of folks here will, but I do recommend that you look at all your options. If you were to finance, that would have a monthly bill depending on how you financed. Only you can determine what that looks like and whether it makes sense for you.
Dues, which will be an ongoing cost regardless of how you purchase can either be paid monthly, or annually and again, will vary based on the resort chosen and the amount of points. Dues will increase over time so make sure to factor that in.
Renting is a wonderful way to see if this is a good fit for your family. Disney is not well set up for larger families and DVC can be a wonderful thing but it is a large commitment that should be carefully evaluated to see if it really makes sense in the long term. Good luck!
