Wouldn't it be in the best interests of the system & membership if they wait to open the DL & WDW DVC resorts until the parks are open? How will they handle points that belong to those who won't go until at least then (who I believe vastly outnumber those who are chomping at the bit to go right now even if the parks aren't open). I realize that DVC can easily just apply the rules, but that isn't going to stop lots and lots of owners from complaining about losing money all over the internet. That can't be good for business (sales).
I know that the DVC contracts specifically state that the parks are not guaranteed to be there, but like it or not, Disney has to know that the vast majority of owners purchased because of the parks. It will not play well if they open the resorts before the parks. IMO, they are caught between the proverbial "rock and a hard place". No matter what they do, there will be lots of upset members. That being the case, they might just as well do what they think is right. YMMV.
FWIW, either way, I have nothing to lose (as far as DVC points go) and only hope that when they open resorts and parks, they don't need to shut them down again due to an unmanageable surge of cases needing hospitalization & ICU beds.