So that you can put my answers here (and elsewhere) in context:
I do not care about resale value. I assume that, when I'm done using a resort, it will be worthless. More specifically: the purchase has to still make sense
even if the resale value is zero. Any residual value is found money. The value in owning
DVC points is using them for DVC lodging.
I am not a Studio Person. I did not get into time sharing to stay in a glorified hotel room. For a short stay (maybe 3-ish nights) with one or two people, I wlll tough it out. But for my "typical" week-long stay, I'd rather be at
Wyndham Bonnet Creek than settle for a studio. For example, I get downright grumpy about not having a proper coffee mug in the morning.
I'm about your age. What's more, I have some
City Miles, so I've probably chopped a fair few years off of my
healthspan if not my lifespan. Nevertheless, I am very much hoping that I will still enjoy travel by the time February 1st, 2042 rolls around, and that
for me ruled out 2042 resorts.
I like the Epcot(-ish) area a lot. Unlike many, I'm not a *huge* fan of walking to the theme parks, in part because that means I never escape the frenetic pace in and around them. I think RIV is a great place---and if I am honest, part of that is because it is the resort everyone loves to hate. (See: City Miles.)
I want to visit WDW once a year, for about a week, during the springtime when point values are typically high. I value flexibility, but I also don't want to overspend if I can help it.
Putting this all together, my strategy was to accumulate roughly a 50/50 mix of direct and resale RIV points, sufficient for a "typical" 1BR each year. By banking/borrowing, I can alternate years between RIV and "somewhere else"---I use roughly two years of RIV resale points for a "RIV year" and two years of developer points for the "non RIV year." Having everything be at RIV simplifies booking there, which is helpful for Resort views, and because it is an expensive
point chart. The downside is that my trips are a little less flexible, because if for some reason I have to cancel a trip, at least some of the points used for that trip are going to be stuck in that UY with no possibility of banking. The saving grace is that my annual trip is very early in my UY, so I will at least have plenty of time to use them up.
So, I think you have two different ways to play this. The first is to get a second batch of BRV points. That simplifies your life, and avoids the banking/borrowing thing, and reduce the risk of un-bankable points. You can book the 1BR at BRV for each trip, and swap out at seven months if you have some place else you want to be. Everything expires at the end of January, 2042, and you can move on with your life.
The second way would be to pick a
different home resort for the other batch. If you do this, you can (a) book a split stay at the 11-month mark at each of your two home resorts, and then try to merge/move one or both of them at 7 months. Or, you can do the bank/borrow thing I am doing to get 11-months at one home resort one year, and 11-months at the other home resort the next year. You can also swap any trip out at seven months if you like.
If you want to stay at BRV more often than not, I think Option One makes the most sense. 1BRs are the easiest to book in the system, but even there you
might need home resort priority for Fall Frenzy, and you
will need it for the first half of December.
If you want to play the field a little more, I think Option Two
with a non-2042 resort is a good idea. That allows you to hedge your bets about whether or not you want to be Done With Disney fifteen years hence, and drop to an every-other-year cadence, do shorter trips, etc. Which resort you choose (and whether or not you buy it directly from Disney) is a matter of budget, resort preference, etc. and we can't answer that.
“It’s a toy, treat it like a toy”
@Brian Noble
I'd love to take credit for this, but it is something I learned from another TUG member who used to sell Hyatt timeshares.