You can offer whatever you want. Some owners have loans so they can’t take less. A 300 point contract is priced that low already and for sale most likely because of a hardship.
I love RIV. It’s my top resort along with VGF. We split stay most ever trip so we have easier access to the parks without the buses
However, before jumping in to RIV resale, be sure you are good staying only there. Be sure you are going to be booking at 11 months. Especially if you want studios. There are no back ups.
Now, you plan to buy more down the road elsewhere? Maybe. Personally, I’d buy direct for that difference. Even over the course of 20 years, you paid an extra $600/year to stay at all abs future resorts.
You qualify for the DVC AP when it comes back which could save.
As a blue card holder, you qualify for membership magic which includes discounts on food and merchandise. Right now, they have a buy 4 get 2 day free ticket deal.
Now, there are other ways to get discounts. Having a DVC blue card is not the only way, but if you want to stay at RIV, then the extra is worth it to go direct and have trading rights.
You can also put it on a Disney Visa abs get 6 months of 0% interest plus earn rewards. DVD will even let you charge the card over 90 days to push it out even farther. We did this..well an extra 39 days and didn’t worry about paying until 6 months, even though we had cash.