We have owned since 2007 and now have four contracts. One resale and the rest direct. We just added on direct at CCV because we we added our daughter to it and plan to leave her that contract. She wants it and will pay the dues when it’s her time to get it. She is a young adult, well employed and loves Disney too. Right now, we wanted enough points to take long trips in retirement, she won’t get those new points for a while
The only significant difference between direct and resale is you cannot use your resale points to stay at Riviera and all future resorts. This mattered to us for our latest contract because our daughter will be in her early 40s in 2042 when 5 DVC resorts expire. Also, right now there is only Riviera, but California will have the new resort soon and there will be others in the next 20 years.
That being said, you can buy resale now and add points at a new resort if you really want to stay there. Here are other tips:
- Don’t buy Copper Creek resale. The price difference between resale and direct is not significant enough for the limitations.
-Don’t buy Copper Creek expecting to stay in a studio. Too many people want a studio and they seem to be booked up at 11 months.
- Don’t buy Riviera resale because you can only stay at Riviera.
- Don’t buy Poly if you don’t want a studio; that’s all they have
- Watch the expiration dates; Boardwalk and Beachclub have high point prices; but expire in 2042. Just realize the value will drop the closer you get to 2042
- Buy where you want to stay if you can book at 11 months out
- Buy SSR if you can’t book early; best bang for your resale buck
- realize that Disney could want your resale contract and they could take it during the ROFR; if that happens you will have to find another contract to purchase and start all over again
I hope this helps. We have loved our DVC over the years. We aren’t happy right now, but the world sucks now, so hopefully it will be better in a couple of years.