I did have to pay the full 2022 dues. We have been looking at direct and resale for awhile and actually just also purchased a resale contract. I was willing to wade into the direct water a little at a time (50 point contracts here and there) to work my way up to a blue card but, like you, the FOMO was real. We were able to get our price per point after all incentives/rebates/rewards cash back to $182.17. Adding on the 2022 dues brings that cost per point up to $189.51. (We also used the military discount as paltry as it is, but I'll take every penny...every stinking one of em).
Being able to put it all on my CC and get those rewards dollars was a thing. I applied for the card as soon as I read about MB, lol, and worked that out with my guide splitting it up over a few months. It wasn't a decision that I took lightly but the number felt fair when compared to current resale prices for VGF and having some unrestricted points. So all in all, it came down to seeing a number that I felt was competitive with resale when taking into consideration the tangible benefits (unrestricted booking), that made the price make sense for me.