With all due respect, I think you need to either change your thinking about DVC or consider not purchasing DVC. The value of any timeshare system is the ability to use one's ownership within the system. In the case of DVC that means 7 WDW resorts, 1 DL resort and 3 beach properties. If these options do not appeal to you, then you probably should not be buying DVC.
A few other quick points:
- The distinction is resale and direct, not "used" and direct. I know it's a subtle difference, but it is a difference.
- You already do have the option to stay at any WDW or DL resort. All you need to do is call CRO and make a reservation. The thought that you need to buy a timeshare to have these options is a bit misguided. By using DVC direct for these options you are not saving any money, you are just paying differently and at different times, and probably more than you would by booking direct and paying cash.
- While a noble thought, I do not think that people should buy a timeshare with the idea of giving it to their children. I thought this way when I bought my Marriott timeshare 10 years ago. Seeing how the maintenance fees have increased, I would not want to burden my children with this expense when I eventually die. I am glad my DVC contracts have an expiration date.
While I respect that this is the way you feel, I really think you should investigate the legalities of restrictions a little more. Many of the possible changes you suggest are at best incredibly difficult to implement and at worst a violation of the contract. I'm not going to suggest that you should feel differently, but you should know that what you are saying is sheer speculation and in some ways is in conflict with the rights that DVD has regarding the ability to implement restrictions. Take a moment to read Dean's analysis of potential restrictions for a more likely scenario.
Just so I'm understanding you, saving $4,000-$6,000 is not a substantial savings on a $20,000 purchase? I think we'll have to disagree on that one. Also, for the benefit of the readers, I think it is important that you disclose that you chose to finance your purchase. I'm not making any judgments or speaking negatively about those who choose to finance a DVC purchase. But I do think it adds perspective to the conversation. I suspect that you would change your tune about saving $4,000 not being a big deal if you had to write the check up front.