Except, $30,000 is the all in cost--you have to look at just the upcharge for direct versus resale. If you buy resale, you're probably still looking at close to that amount. I keep hearing "40%" savings with resale but at current resale pricing, it's nothing like that--maybe $5,000-ish savings on a contract of 150 points and you spread it over the life of the contract, makes it like $100-200 a year (unless you buy a 2042 resort, which doesn't make sense to me financially for so many reasons).
I think this doesn't get talked about enough, but you're right 150 isn't really enough for a whole week in most cases. I originally thought I'd just by 125, and quickly realized that would only work if I limited myself to very ,specific dates, never had to upgrade to preferred views due to limited availability, and
point charts never went up substantially for our travel dates. Wanted to be buy 175 or 200, but DH talked me down to 150 to start by reminding me we rarely stay a whole week--usually just 4-5 nights plus a short cruise/universal/beach stay. I think it's actually a good thing Disney is raising the direct minimum, because I feel like it was a bit of a bait and switch when they got people to buy in at just 100 or 125 points and those people couldn't easily book the vacation they want.