It is a bit time consuming to do it there. I think we only got some FastPasses (this was 2019), but we also had a weird situation. Because we financed both of our direct purchases, we HAD to buy in-person because of state-specific rules. There are 2 or 3 states, I think, where this is an issue. We're in Delaware, and I'm pretty sure they told me Colorado is another state, and they're may be one more, I think. Basically, because they weren't registered to do timeshare lending here, they could not send us the documents to sign, so we had to do it in person at WDW. When we first bought, it took them a few days to get it figured out (we found out a few days afterwards because we bought on the last day of our guide's work week), so because we had a trip booked, they held our contract for us and we signed down there. We were told it was the longest they'd ever seen one held (over 4 months, I think). It took longer too because our contract had to be re-written and our credit had to be pulled a second time because the credit pull was only good for 90 days.
When we added on in August 2020, it was a bit of an impulse decision: due to all the Covid re-opening limitations, we got moved around (cash stay) a few times - supposed to be Yacht Club, got moved first to Poly, then to a 1-BR at Copper Creek, then got there and got upgraded to a 2-BR. We had intended to add on within a couple years, but being in the 2-BR accelerated the decision along with the incentives they were offering at that time. Because we knew we HAD to purchase while down there, we decided to just pull the trigger and get it done.
So - I guess the short of it is that there are limited situations in which you'd need to buy while down there, but also if you really wanted to, you could probably have it set up in advance.
