If buying one large 300 point contract to get the discount - if that was Direct - I believe you would still get the 300 pricing with two identical 150s at the same time - just the extra closing costs. But I'd definitely want two 150s with Blue Card status if paying for Direct. Then if you downsized or gave to kids, each would still have the Blue Card status. When blue cards were only a 100 point purchase, I had friends who purchased 3x100 for their kids. Now all three kids will STILL be grandfathered in with blue card status. The blue card status disappears with a sale, but (so far) seems to be transferred fine with a family transfer or inheritance. Although I would read the fine print if that's important to you, the documents have a Lot of fine print in multiple documents lol.