OP these are the questions you need to ask -
1) When do you plan to visit WDW? There are low & high demand
DVC times - if you intend to visit during a very high demand time you’ll need the home resort 11 month booking advantage even for 1 br.s, so best to buy where you want to stay.
Also, when you visit impacts which use year you want - avoid use years that are right before your planned visit times because if you have to cancel you’ll risk losing your points.
2) Do you want to always stay at your home resort & build memories w/ your family there or do you want variety & maybe even want to do split stays so you can experience different resorts? If the latter, then the cheapest points that let you do that are best & possibly only direct since you’ll be able to try out whatever new DVCs are built.
3) How often do you plan to visit, for how long, & do you care what view you have? Those questions need to be answered so that you can figure out whether 200 points at your chosen resort will get you what you want when you want it. For example looking at 1 br.s for a Sat. to Sat. stay in June:
AKV : st.view 188, sav. view 235
BRV : 232
CCV : 237
Riv . : st.view 259, pref.view 328
AKV is one of the 2 resorts I own & I love it - it’s not for everyone & it’s not too hard to get at 7 months especially for 1 br.s except for high demand times (fall frenzy) & high demand villas (value & club villas.) Jambo is harder to get than Kidani.
4) The real cost w/ DVC isn’t the initial buy in - although for most that’s a high number - it’s the MFs through the years & it’s the always outpacing inflation cost to visit WDW - park tickets, add on costs like G+, food, transportation costs to get there, etc.. I doubt a true penny pincher would opt to buy DVC to stay in 1 br.s. That said, I did buy DVC to stay in 1 br.s & while I don’t consider myself to be a penny pincher, I do like to get value for my money - I liked staying in deluxe resorts & they weren’t getting any cheaper, I liked having space & getting 2 deluxe rooms or paying Disney’s price for a 1 br. was really expensive, so for me it penciled out given my travel preferences.