Ok…Rhode Island, 2-3 occupants & prefer 1 bedrooms.
I think you actually want to buy direct. You have shown that by where you would like to use those points. (Easier to get a 1 bedroom at ‘most’ locations but usually shorter trips when booking at 7 months).
Do you visit
Disneyland? If so, I think VDH would be a good match for you for Direct & all that currently comes with it. The transient occupancy tax (tot) is only paid during stays. Would have priority for their 1 bedrooms (needed) and points for Riviera stays.