Yes small contracts, under 100 points bring a premium and buying direct makes sense for some. Which benefits are you most interested in? We have bought resale and direct. Resale is easier on finances take a few months and a little worrying if it will pass ROFR. Buying direct is quick, costs more, no looking for the right contract, points in your account in a day or two. OKW should not be a long waitlist direct.