Sounds like you carefully researched all options and made the right decision for you. And that's great!
DVC deliberately prices "sold out" resorts high, while the focus is almost always on the newest properties like VGF and Riviera.
If I were trying to sell you as a DVC Guide, my pitch would probably go something like this:
"You can absolutely buy those BoardWalk resale points and enjoy much of what the program has to offer. You'll pay $29,000 for about 20 years ownership at BoardWalk. You won't be able to attend any of the special events, visit the lounges or access discounts on tickets, shopping and dining. You will also be blocked from using your points at Riviera and future resorts."
"The alternative would be to purchase Grand Floridian or Riviera points from me. Your cost will be about $37,000 - 39,000 depending upon resort. But the points will be yours for twice as many years as the BoardWalk. You can sell them as you get older, leave them to your children or simply continue to enjoy the points for another 20-28 YEARS after the BoardWalk points have expired. You will have full access to all of the member perks including Moonlight Magic, the villains lounge, Epcot lounge and other discounts. You will be able to use your points at Riviera and every future resort. We will throw in last year's points as a bonus. And I can easily help you finance, taking up to 10 years to pay it off. Are you ready to sign?"
The heart wants what the heart wants. But I don't think it's really fair to say the perks access would have cost an extra $17,000 without acknowledging that you paid a hefty premium for BWV either way. 20 years of BWV points with no perks and limited resort access for $29k vs 48 years of Riviera with all perks and all resorts for $37k.
Every little point of differentiation can be used to help nudge buyers toward the direct purchase.