Just to share my perspective as a SSR owner. Everyone says to buy where you want to stay and that is what I did. We purchased a 100 point resale at SSR in October 2017 then a 75 point direct add on in June 2019. We want to stay at Walt Disney World. SSR was the most economical way to do that so that is where we purchased. Now, 5 trips into our ownership I have only been there once. To visit and look around in November 2017 just days after we closed on the resale contract.
I guess what I'm saying is everyone's circumstances are different and buy where you want to stay means something different to some of us.
I must admit that I was a bit naive when we did our
DVC tour in 2010. We were staying off property, and I just happened to engage a CM at one of the DVC kiosks in "Downtown Disney".
The driving factors for me included the advantages of staying "on-property", which I interpreted exactly as you did, meaning anywhere in WDW!
SSR was still available at the time, and BLT was the "new kid on the block", and I think they were pushing a 160 point buy in.
I distinctly remember our guide, Rafael (since retired), saying many times that "a point is a point".
He also repeated the banking/borrowing scenarios for those "big vacations"

But I actually did the math on the spot, and went with SSR from an economical approach, under the "a point is a point" assumption.
We have been fortunate to have options at the 7 Month mark, and have stayed at several different resorts. When we can grab a different location at 7 months, I do feel fortunate, not entitled.
There are a few things we will likely never get at 7 Months (like the AKV-Values), but that's okay because WCS (Worst Case Scenario) is we stay at SSR.
The only complaint I have to-date is the recent point-shuffling (re-allocations), the additional "seasons", and the change in status of Congress Park to a "Preferred View Location".
ET
