When we bought in we bought 206 points at Grand Californian due to a specific trip we wanted to take and the points needed to do it. Well, 10 years later we have found the extra 6 points was the smartest move we could have made, it has allowed us to book numerous trips that would have required purchasing one time use points without those extra 6 points, especially at the times when we borrowed all of the points from the following use year. So, when adding on it made sense to rinse and repeat.
When we originally bought in, 206 points worked well for us as DH only got 2 weeks of vacation a year, now he gets at least 4 weeks and most years his work takes off the week between Christmas and New Years. I now work as a substitute teacher, so I have flexibility to take time off when I choose. This puts us in a lot different position than 10 years ago, so it was time to add on. With the incentives, better financing (much lower interest rate than what we could get for resale) and the resale prices having gone up so much as well, as the flexibility, it made sense for us to buy direct over resale. We have no intention of selling, so the resale restrictions for Riviera weren't an issue to us. And if something does change again in our lives, we can easily sell our Grand Californian contract for at least what we will owe on Riviera in an absolute worst case scenario.
On our last trip, we toured the Riviera and really liked it, we also were able to repurchase our annual passes since we canceled during the closure and we also know that we have enjoyed using RCI when we want to go elsewhere.
Ok, that is probably way more than you were asking about, but it gives an idea of some of the considerations we made before deciding on Riviera over others.