Something else to keep in mind-
DVC continues to tighten access to Membership Extras. For example:
TOTWL Wicked Wind Down - you must be staying on eligible points for the date of your reservation. So say you were staying at WDW on your AUL points, you could not book this.
A similar change was recently made to Moonlight Magic. You must be staying on eligible points to get first dibs, which has a MUCH greater chance than needing to wait for open entry which has about a 1% shot..
It’s not a big deal but I think they’ll continue in this direction. 75% of my points are direct and I’ve already gotten locked out of both because it just so happened the nights I wanted were using my resale points. DVD is definitely trying to make a greater distinction between what you can access with direct points over resale.
Depending how much this stuff matters to you, I’d take it into consideration. Think about it this way - The price you get reselling does not change depending on direct benefits (because benefits don’t transfer). But the cost for you to replace does come at a premium for direct. That would make me more inclined to prioritize keeping the direct points. I’d want to avoid a situation where I sold off some of my direct points, then later regretted the limits of benefits on my resale points and had to pay the direct premium again for what we wanted.
I know people say they’re not going to pay thousands extra over resale just for these perks. That’s fine and makes sense when not interested in this stuff. But if you already have it and think it could matter to you over the next decades, then keeping your direct/full use points will likely make a difference.