Initial purchase is a known dollar amount. Most likely already in some slush fund. The dues are the unknown factor. At first, you must know you can budget yearly, at least $10 per point. Soon it will be a budget of $15 a point yearly. (If it comes in less per year..great.. but you must expect the unexpected and have a cost of living budget to handle it, already prepared.
You are a unique member, only wanting one bedrooms every time. Therefore, get those resale points locked in. Whatever the amount….160, 200, 250, 300, or 1000 points! Make the decision that works best for you. Pick the resort that works best for you.
Stay away from direct at first. I feel you know this and understand it’s not the correct path for you here. Perhaps direct will become right for you in the future, but today it’s not.