Thanks for the advise Vascubaguy, it's very much appreciated. I agree it's only a minor amount of a price difference when it's for a SSR 100 point contract. We just felt if the price of the contract and closing costs together are close to the same per point price as buying in new, we might as well go through Disney direct and have additional points to use. We're staying at SSR next month and after that I'll have a better idea if it's where we want to buy into. I've stayed there when it was the Disney Institute and liked being close to DTD since we usually go in the off season and the parks close early.
We've also stayed at OKW, I like the resort, but the location wasn't as good as SSR.