I am currently in ROFR process and to me the only loss of value is the AP discount, I have no interest in
DVC parties etc. We do have family in Florida so I could just change the address of my checking account to the florida address and use that along with my passport to buy Gold Passes. So all in all not a huge loss to me, I think we are going to keep the Resale.
https://disneyworld.disney.go.com/florida-residents/validation-requirements/
To people that want out, from talking to my attorney friend, you could likely use the lack of membership card as a way to get out of the contract as a membership card is not defined by DVC as a incidental benefit.