Just to clarify, the gold pass was a unique pass only available to
DVC and FL residents. The $400 difference was not a discount as no one else could buy it at a higher price.
That is the same of the Socerer. pass. That pass is only supposed to be purchased by those with a qualified membership.
Now, people not officially eligible have been sold the pass. Whether this will stop at some point or continue, we have no idea. I would not buy resale expecting to buy that pass as long as the language from DVC says you can’t.
The discount previously given to DVC was off platinum level passes and for tthe Incredi pass which is the equivalent that is now gone.
So for discounts and such, while they exist, you are guaranteed them as someone who holds the blue card. White card is hit or miss.
To the OP, the biggest benefit for direct is the ability to stay at RIV and future resorts, as well as any other special events they decide to run.
And, RIV can be similar in cost compared to the resales you mention.
Having said that, if you don’t see yourself wanting to stay there, then direct probably doesn’t make sense since both CCV and VGF are difficult for studios especially if you want to travel mid September to mid January. Owning there if that is where you want to stay is important.
Given the new rooms being added to VGF, I’d probably look into that further over CCV.
As already mentioned, no use for the Disney Collection. While it is not the same value as using for DVC rooms, I have done a few 3 night cruises using points and it was well worth it. It replaced a trip to WDW and shortened another but in the end, it worked out fine.
So I wouldn’t go into DVC with the trading to those options as a regular thing, but for the occasional cruise it might work out.
Oh, and to add, I do not think they are selling VGF to new buyers right now as the new points will go on sale at some point in the next 3 to 6 months.
Good luck!