I actually think, if one lived in Hawaii, that buying direct is definitely an option to consider. You get the 11 month advantage for holidays, which means something if you live there and want to enjoy time there at Christmas. You also have the option to book at the upcoming
Disneyland Tower. It will be considerably larger than VGC and potentially easier to book at 7 months for the occasional stay.
I do not think it’s a great idea to propose buying VGC. It’s too expensive, no, that’s an understatement, let’s say monumentally expensive, and any use of the points at Aulani, the resort at which the OP expressed interest, is a massive waste of money. And to buy points at a resort 2500 miles away to visit occasionally does not seem like a wise strategy.
I guess the poster could buy SAP points at SSR, a resort 6000 miles away, but I’d rather buy resale or direct Aulani, so I’m not shut out of holiday (especially Christmas) visits at the DVC resort in my own backyard.
And aren’t the tax law issues which have not yet happened, which we know are of great concern to you, less problematic for Hawaii residents?