Yeah, real big thing noted above is, I don't know why you would bother with direct if not getting 125 points. The blue card benefits are a bit stripped as it is, but at least there is still something. Paying the direct premium and then not having it anyway seems like a huge extra cost. If your idea is being able to transfer to other resorts (like if buying the 100 points Riviera direct), you still can only transfer those 100 points to another resort booking. Your resale Riviera 100 points are locked into Riviera no matter what, and 100 points at other resorts will be pretty limiting.