We love the African theme and food at AKV so we bought a resale contract there (we also like that it's separated from everything else), but we also wanted a completely different experience for some of our (regular) stays, so we bought a direct contract at RIV. One of the reasons we chose RIV as our direct is because of its proximity to Epcot - our "go to" park (for a couple of old folks) - which is likely less than ideal if your "go to" park is MK.
Similar to your husband, I also wanted at least one direct contract. Why? True "blue card" membership and access to the plethora of benefits offered by Disney when owning a direct contract.
I want to say this plainly so you'll understand: that was a terrible mistake on my part.
We love the Riviera Resort (style, location, etc.) and bought there knowing full well of the resale restrictions - that part of the decision was fine.
My mistake was believing that direct
DVC owners would always enjoy "favored nation" status with Disney; they would always have access to benefits that resale owners - or non-owners - wouldn't have. What I failed to realize is direct DVC owners might not have access to those benefits in the future either.
Which is exactly what is transpiring with the pandemic - as we have watched benefit after benefit yanked away. New direct DVC owners really got the short end of the stick with the inability to buy annual passes - and therefore get the DVC discount on them. The trips we have planned are going to cost us considerably more $$$ w/o AP's.
At present, there is almost no reason to choose direct over resale - but thousands (as in thousands of $$$) to choose resale over direct.
So without sounding condescending, you (your husband) REALLY need to ask the question: WHY are we only considering direct contracts? Thinking you'll get some great benefits that no one else gets? Think again. Thinking as a "blue card" member you'll have some special relationship with Disney? Think again. In my correspondence with DVC's compliance officer (about these very issues), they have made the parameters of the relationship very plain: Disney/DVC has the legal right to do just about anything they want regarding benefits, extras, or the relationship in general.
All you really get for sure is a room - the same thing you get with a resale contract.
I encourage you (strongly) to look at resale contracts. Find the resort(s) you'd truly love to stay at - then look for the most economical way to make that happen.