You know, I used to say if one was a short term planner then they are not right for
DVC. But we were just at WDW on a 9 day split stay. I booked well in advance (BWV at 11 months and SSR at 7). Got a 2BR because DS, MIL and FIL were all planning to come. But DS got new job and couldn't come. So Just DH and I and his parents.
The day before arrival we get a call from his parents to tell us they weren't coming as MIL was in hospital. She has been battling a myriad of health problems. So on drive down I called MS and asked them to break our 2BR lock off at BWV into just a 1BR and cancel the studio part. The 2BR at SSR was dedicated and nothing was available to swap. But I watched over the next week...the SSR part was last 2 nights at end of trip. I found many options and even grabbed up many things...1BR for 1 night at OKW, 1BR for 2 nights at SSR, could have had many choices for the 1 night (even BLT, AKV, BRV). The day before checking out of BWV, we found 2 nights at BWV in a 1BR. No need to even move resorts (had to move rooms because different views). I was surprised at how much popped up at the last minute.
We also, this July, were sitting around one Friday night contemplating what to do for the weekend (empty nesters). For poops and giggles we went on DVC site and popped in Saturday night at HHI. To our surprise there was a room available so we grabbed it and did a whirlwind 24 hour jaunt to HHI. Great trip!
So if OP is flexible he will be able to utilize DVC at 5 months out. Might have to do split stays or shorter stays and can watch the availability tracker to see what he can tweak to. If OP ALWAYS has to have a studio and/or ALWAYS in fall frenzy time (Sept through mid January is the toughest time to book DVC) then he should reconsider. But if he has points to grab a 1BR many times or can do other times of the year...then it could work fine.
But, yes, SSR is the resort to buy. Lower buy in, lower dues and longer contract life than the 2042s.