I AM a newbie. You could buy 100 points last month with $15 off per point. I put the deposit down on 2/28 and held the contract (per my guide's advise) until the March incentive came out and then until the webcast incentives came out today. I wanted a small contract to get my feet wet so I am glad I was able to get 100 points to start through Disney (and 2009 UY points so in essence, 200 available immediately for this year). If all goes well, I'll add on down the road.
With the points available right away (I already have BCV booked for August), the extra 100 banked from 2009, lower closing costs, and no waiting or fear of ROFR, at $97 per point at AKV directly from Disney, I am thinking I did as well if not better than resale.