So... the impossible just happened. My guide contacted me yesterday to tell me he found direct VGC points available and put them on hold for me. We decided to pull the trigger this morning, after a lengthy debate. We're purchasing SEP UY to make it so all my points are back in one membership (as much as having a second membership had its appeal for use for things like Moonlight Magic), and taking advantage of Magical Beginnings to sell back our 2023 points to reduce it by another $20/point. Yes, definitely more than resale, but getting everything back into SEP UY *and* being able to use them for VDH and other future resorts is a plus.
I also did learn that they can put the down payment on a credit card and split it over 90 days just like you would if purchasing in full. We're doing that and temporarily financing the remainder until we see how the contract above plays out.
I don't think I've ever hoped Disney ROFRs a contract as much as I do right now, lol. I know that there's probably no hope that they will, though I could hope with it fully loaded and me buying what direct points they just had available, maybe they'll consider it. ;-)