I bought resale and direct in the last 4 months. In that time I got boardwalk at $137/point, they listed at $145, so was able to negotiate down a little. I was not the most patient, i noticed on allot of threads people were getting BW allot cheaper, mine was slighly loaded contract, but i couldnt get them down more and went for it.
Then tried to get Bay Lake on resale, they listed at $183/point, they would not go down, made multuple offers up to $169, no go, agent said they would not budge even though other contracts were listed for less and loaded contracts, was going to offer a little more but agent said they probably wouldnt go lower then $181, They claimed the use year was more valuable, it was April use year, my boardwalk contract was April so didnt want two different user years. So Bay Lake they would not go down.
So then i went for Saratoga, $123/point, not a loaded contract, I think it was listed a little over $130, they went down and accepted $123, funny thing i thought i was over paying a little as it was partially stripped contract, latest ROFR was $118, Well Disney took it in ROFR, bummer.
So i somehow justified buyig Bay Lake direct as my wife really wanted Bay Lake and i wanted the Blue Card
Just FYI, Direct is so much easier and quicker, Direct got points within 2 hours of down payment, Resale, took 3 1/2 months before i got my points.
If Blue Card interests you definilty compare the numbers as certain contracts are close to Direct Pricing more then ever before. Plus depending on your use year you might get 2020 points like Ruby got, i only got 2021 points because of the April use year, but i got prorated dues. I also took into account i could use Credit Card to pay for part of it, cant do that on resale, Put over $20k on the credit card and got some rewards. Obviously dont due that unless you can pay right away.