Thanks again to everyone. When I get nervous, I come back and reference our thread. LOL
So after announcing our plan to focus on BLT or BWV, we then completely violated it a few days later.

So what had happened wuz... I found the perfect contract for us - BLT 105 points, UY October and well within our price range. It was actively listed on the site. We discuss it and it's literally perfect. There's no online button to make an offer (that probably should have been a tip off) so I call them. It's 4pm on a Friday but surprisingly to me an agent picks up. I give him the info and he says "Oh, that one is already sold, can I help you find something else?" This super annoys me and I say no, thanks. Feels kind of bait-and-switchy even if it really was a coincidence that it was sold and still listed.

So after a brief talk, we decide it it wasn't meant to be. So instead of settling for a less perfect contract in that range, we went to Plan B which was getting a foot in the door small, not cleaning out our cash savings, and then planning to add on (maybe direct if there's an offer) in 2-3 years when we can't borrow ahead to get enough points anymore.
We made an offer on a small contract - $155 pp at BCV 50 points with a semi-gross UY of December (We usually travel late October, November or Jan/Feb). But it's loaded with 100 points for 2022, so my thinking is that we have enough to take our next trip probably on the 100 and then in 2023 we'd have to borrow ahead to put together another 100 points. But I think that leaves us with nothing for 2024 so we'd have to add on again around that time. Assuming I understand all this points stuff correctly. Anyway, I made the offer online and that agent also was taking calls on a Friday afternoon so phoned me back and then and immediately presented our offer and the seller accepted. I think the whole thing took like 5 minutes for all 3 phones calls. Does that mean I should have offered less? Gotta be high enough to clear ROFR though so maybe not. LOL
I don't expect any paperwork to get started until Monday, but it's semi-official. And it's the resort I had talked myself OUT of. Hubby is of course, super excited because that was his first choice resort. It's only 19 years but who knows what will happen when that end draws near. I *think* we will get our money's worth out of it though. Either way, we're very excited to be potential owners and I have to keep reminding myself it's not official yet and could be 1-2 months before we really know and even then we might have to start all over. Gonna be a loooooooong month.