And that can be had with a 25-point add on.
The financials are pretty compelling.
Buy 150 points direct from Disney. Cost per point: $165. Total cost: $24,750 + closing
Buy 100 points resale. Cost per point: Eh, let's aim high and say $105. Cost: $10,500 + closing
Add 50 points direct. Cost per point: $165. Cost: $8250
Total cost: $18,750
Savings: $6,000 minus closing.
Buy 150 points resale. Cost per point: ~$100. Total cost: $15,000 + closing.
Savings: $9,750
Now, if you can get 125 resale + 25 direct, the savings in scenario 2 increases ~$1600.
Either of the latter scenarios qualifies you to buy the
DVC AP Gold and get dining discounts. You would be allowed to pay cash for a member cruise. Only the direct points would be eligible for the Disney Collection properties, which is a loss without value.
The AP is not a guaranteed long-term discount. How many APs would be needed to make up for $6-10k in savings? On a larger contract where you might be buying 6 AP Gold a year (big family?) 150 points wouldn't cut it, and the relative savings of resale grows at a faster pace than the savings of AP Gold.