Your question really boils down to resale v. direct. SSR is & has always been the cheapest WDW resort to buy on the resale market due to supply - it’s the largest
DVC resort by a large margin w/ approx. 14 million points compared to VGF which has 4.3 million points. The resale market reflects this, for ex. there are currently 309 SSR resale listings v. 42 VGF resale listings.
The strategy of buying SSR resale as the cheapest way to get into DVC isn’t a bad one, especially if you enjoy the hunt at 7 months to try & upgrade to another resort. Three things about buying resale, first, the points are barred from booking new resorts - currently Riviera & VDH, perhaps Poly2, likely Fort Wilderness cabins. As a young family the list of resorts you cannot book will grow. Second, resale takes 60-90 days to complete v. buying direct which is instantaneous. Third, most, if not all resale title companies will take your down payment on a credit card, but the bulk of the purchase must be cash - either from funds you have on hand or via a loan/mortgage w/ one of the companies that finance DVC resale purchases whereas DVC direct lets you put the full purchase price on a credit card.
In regards to the two resorts, to me it’s comparing apples to oranges. SSR is a sprawling resort w/ walking/boat access to Disney Springs & buses to all 4 parks - something to think about as a family juggling loading strollers onto buses for several years. As noted, it’s almost always available to book. It’s not a resort I’d personally want to stay at w/out a car.
VGF, while spacious, is more compact than SSR. I fly to WDW & never have a car. I own & stay at VGF & appreciate the walking/boating/monorail access to the MK & the monorail access to Epcot.
Currently SSR’s MFs are $7.68 per point. VGF’s are $7.33 per point. But, as OP notes, you need a lot more points to get a same size villa at VGF v. SSR.