Thanks all, we ended up biting the bullet and doing a cash purchase of 150 VGF direct just this past weekend! We're so excited to finally be owners and already have a trip planned for the spring at Poly (unfortunately couldn't get VGF for our first
DVC trip since we weren't far enough out to take advantage of the 11 month window). Ultimately, we love Poly and wanted to go direct so we are not potentially foreclosed from the new Poly tower depending on how they decide to deed it, but between the two we just couldn't justify the cost of Poly direct right now with the current VGF price and incentives. I really appreciate all of the responses and the insight, super helpful as we considered our options and we look forward to calling VGF 'home'!