Not buying direct means you’ll resell your “resale
DVC” at a better percentage (or possibly at a profit) when (or if) you do indeed, resell your resale.
I would never buy direct, even if I had contemplated it previously. Buying at direct prices is a guarantee of a huge loss of a large percentage of the principal when you do resell. No amount of RCI, 20% restaurant discount, membership magic nights that I never go to... or $150pp annual pass discount would make up for that. Hope that makes sense!
That is exactly why I am waiting to buy Riviera at Resales:
1. Low prices, because of what Disney is doing to try to 'stop it.'
2. You can still use them at Riviera, no matter what. Many people will want to stay at Riviera and if you can't get the reservation you want in the 7 to 11 month window at Riviera (maybe you can't plan that far ahead?) you will still be able to rent them out to people to get your many back. This is a great fallback option.
3. Points purchased at resale for Riviera will still have most of a 50 year period in which they could be used. That is a long time to get benefit from some cheap points.
4. Maybe (and I don't count on this at all, but it could happen) Disney will wake up, realize they are just hurting themselves and embrace resales and remove some of the resales restrictions.
5. Best of all, if you can buy them cheap, then there is much less potential downside, while it will remain likely that you could always sell them for what you paid for them, or more, because they were purchased for a lot less than Direct prices. The 'overhead loss' from Purchasing direct won't apply to you! You are likely to be much better off in the long run.
I have been bummed out that I couldn't buy Riviera, when I had hoped and planned for it for a long time, until Disney started getting hinky. I really did want to own there so I could stay there whenever I wanted. But then I realized that the restrictions are actually my friend. They are actually going to be good for me. I will STILL be able to own and stay at Riviera, as I wanted, and I will be able to do so on the cheap! And with a much better financial picture!