Since we are constantly buying OTUP and booking
DVC cash stays I have thought about this many times and I just can't seem to do it either way.
$5,125 direct for 25 SSR points that get you no real 11 month advantage but can be used at ALL Resorts.
$10,500 Resale for 100 points that you can then use at the 7 month window for 1 bedrooms or the lower demand/higher cost studio rooms like Pool/Garden at BWV.
Yes I realize that would be another 75 points to pay dues on but you're getting roughly 50% more points for free (not including dues).
Those extra points certainly help you when there is not much available like race weekends or if something comes up and you can do a last minute trip.
On the other hand being resale we can't combine with our other points to stay at a newer place. Then if it is a 25 point direct I'm only getting about 1 night in a studio at VDH or RIV without borrowing from that new contract.
Trust me you are not alone but I don't really factor title insurance into my lack of decision.