This has been my experience. Have been interested in DVC for about a year and was hesitant about buying direct because of the inflated pricing vs resale. However, it really seems to me that the tiered system that Disney seems to be putting in place would have me regretting buying resale. I looked at the prices in February and it looked like the best deal for my needs was to buy 175 direct at Riviera. Since Covid, for new members, you get the $15 off per point starting at 150 points, plus a $550.00 discount if you are military. I am comfortable at that price point and the guide I have been working with added a little pressure regarding the September 16 incentive expiration. We are visiting Disney at the end of September and I definitely don't want to commit to Riviera until I see the resort in person. The guide offered that he could lock in the incentive for 30 days, if I put a small amount down ($1500.00) and if the incentives increase after September 16, I am covered, and if they decrease I am covered. If I hate the resort, I can get the deposit back as I won't be signing any documents until October 05. Just a thought for those on the fence, but it seemed like a no brainer to me.