Well, I will add that for my adult children, buying direct was the way to go since I am the one that paid the difference between my sale of BWV and my purchase for RIV! Cost to them was 0!



But, to be honest, the savings of getting the AP now for them and their families as they plan to visit twice in the year will make up that difference in about 5 to 7 years as there are 5 of them..6 if my DD ever leaves Disney...
Plus, if my DDs ever have a family, it’s more people saving. Like
@Chuck S mentioned, each person has a unique situation. As long as one is happy with the choice, it’s all good,
I definitely think that now 100 points is required, vs 25 when this all started, makes the choice harder in choosing direct.