To add to
@Brian Noble's point, it seems like part of your rationale is that you'd like direct points, presumably for the blue card benefits. Someone can correct me if I'm wrong, but I don't think there are many blue card benefits at DLR, and they just did away with EE (which sounds like it was quite a phenomenal perk at DLR). Of course, we all know that blue card benefits can and will change, but if the majority of blue card benefits are WDW-based, and you're hesitant about owning in FL long-term, the benefits of direct may not be there for you right now.