And, I think it also goes to show you that some sellers will take far less than the asking price. If you see one that fits your needs, offer what you want to pay. I think the worst they can say is No. Then you move on.
I am going through the same thing in terms of wanting to add on. I only want between 50 - 75 points. And, for me to buy 100 - 125 points and then commit to an extra $200 in MF's every year simply to reduce by buy in price would not be the right move for me.
But, if you are willing to buy more points if the price is right, I say go for it!!!
But, lets say you want 50 points at BWV.
From Disney you would pay $5750.
or you could buy the resale I gave back for $6450 and have one hundred points.
Yep, the fees are doubled. You'll pay $536 per year in MFs for a hundred point contract instead of $268.
If you don't need the extra points, transfer them at a point you can give a renter the 11 month window at a minimum of 10 per point ( I'd ask more if I was giving the ll month window for F&W or December )
At $10 per point, you've paid ALL of your MFs for the year with the exception of 36 bucks.
If you have a special trip planned here and there, great, you've now got the extra points to do it.
It may be a little work, but in the end you've saved so much money that I just can't imagine making the Disney prices work.
Believe me, I've considered all of this, because my original # of points to buy was 100.
I got that contract for $6100
I got my 166 point contract for $8300...I will ( some years I'm sure ) transfer out at least 66 points and that money will go towards MFs.