Is this what you would do?
My recommendation, which most on these boards would agree with, is for you to purchase resale first. I fully acknowledge and understand the lure of having a blue card, but at the same time the price difference is significant enough that it's best to dip your toes first with resale before making the direct plunge. You may find that you don't need to buy direct. If you still want to, then it will always be just a simple phone call away. Remember, if the aim is to have one UY, it's always easier and less stressful to get your resale first and then easily match your UY with direct.
You mention that you would like direct because you want to be able to stay at Riviera, but then want to experience a different one each visit-- with 10 WDW properties you can use your
(non-RIV) resale points at, it will take you much longer than you think to get to them all. You may end up finding another property you love just as much as RIV. If you want to move forward and spend the extra $$$ because of FOMO for 1 current property, then ensure you've thought that through thoroughly.
What are your thoughts on SSR?
First off, everyone vacations differently and to each their own. Every
DVC resort has its pros and cons. Most see SSR as Sleep Around Points, and I don't disagree with that logic.
Besides the obvious things like renovated rooms and proximity to Disney Springs, SSR (and OKW) are me and my wife's favorite resorts because they're different in design than the other DVC resorts on property. To us, this is a big factor. Again, to each their own and these are our opinions.
- SSR and OKW are more of a traditional timeshare layout that is more of a sprawling complex of buildings as opposed to a being a single building with a single corridor that feels more like a hotel. While my wife and I have enjoyed short stays at other properties, we prefer SSR and OKW as the separation of buildings makes things a bit more quiet and relaxing. At the other resorts, you could have a lot of foot traffic outside your door depending on where your room is located. At SSR and OKW, the foot traffic outside your villa will be significantly less. Downside: more walking if trying to get somewhere (like back to the lobby, general store or laundry when in a studio)
- Do you often travel with a car? With separated buildings, you can drive right up to your villa, and 99% have no trouble finding a parking space right in front. People often forget this. Long day in the parks and the kids are sleepy/tired? Traveling with elders who can't walk far distances? At SSR and OKW, you park your car and you'll be just steps away from your villa. Game changer.
Of course, if taking the bus, having larger grounds means multiple bus stops before/after your destination, but I really don't care as long as I get onboard. It may add an additional 10 minutes of ride time, but in today's world of smart phones I can easily fill that time.
_____
Best of luck!