Your not alone Terry....... I too feel your pain. We are also new heavy DVC owners, plus AP holders............. UGH
But I can tell you this........ For a treat, since we got such a good deal on our first resale purchase, we spent 4 days at the BC (not the villas) and then 5 days at the Poly and by the end of our trip we really wished we had that two bedroom space, laundry, two bathrooms, etc.
It was nice to check out of the Poly (LV concierge) with a zero balance due though..........
As someone mentioned above, some use the codes for the first night or two of their stay. That works well for a lot of people but for us, since we own 870 points, it just doesnt jive......... BUT with 870 points we also feel that we have the comfort of using some of them for a couple of nights in the Disney collection, without feeling too guilty.

Then retreating to our wonderful home away from home resorts.........
Ahhhhhhhhhhhhh DVC the best of ALL worlds!