FtMyersGirl-
Sorry your questions weren't directly answered. The news of BWV points coming out is BIG news, and your questions kind of got buried...sometimes it's better to start a new thread if you need a quick reply.
The advantages of buying direct are assurance that the deal will go through (if you qualify for lending, etc.) This is very improtant as Disney has been exercising the ROFR lately, and many resale contracts are being repurchased. Others incluse Disney financing, no closing costs, and starting with exactly the number of points you want. Resale advantages are access to sold out resorts and lower price (in some cases), and small initial contracts if desired.
I am not surprised that your guide did not tell you about BWV availability, as they will be offered to BWV owners, then to other DVC members. However, "you can stay wherever you want" is misleading and not always true, especially in peak seasons or for GV and standard view BWV. I would say to buy where you plan to stay most often. Good luck!
Renee