We live in the UK and bought direct at VGF last November, we put our names on the contract and our son’s. I didn’t include my daughter at that point as her husband isn’t very Disney oriented, and she wasn’t with us to do the tour and understand what she was being included into and what the responsibilities were. Our son is incredibly fair (and is knowledgeable about
DVC and did much of the research over 12 months plus) so he will see his sister and his nieces will have amazing trips using the contract, however I think when something happens to hubby or I the remaining two on the contract may do the legals to add our daughter to the contract. She will have had chance to stay DVC many times hopefully and be more informed and have a choice as to whether she wants to opt in.
I did consider splitting our 200 points and having separate contracts for each of them to inherit via survivorship but it was twice the closing cost and I wanted them both to have seen first hand what was involved. As it stands we are adding on so there’s scope in future to change the ownership of this and any further contracts.