Here is what I have learned having restricted resale points with my non restricted points...with the admission that I love RIV and now my trips will include staying there as part of split stays many times.
Its not easy and has required some modifying and adjusting when booking since some can be used and some can not, Because of it, I can’t waitlist the same way I could if all points were eligible. This has required more adjustments if things show up at RIV and the points I have not used were restricted.
In hindsight, I should have bought 75 direct at BLT vs 100 resale for smoothness bookings,..which is what I find in my other membership that has RIV direct and non restricted SSR.
So, I think deciding how often you might want RIV or potential new resorts and the ability to not worry at 7 months on which ones can and can not be used.
Good luck.