I had a much better experience when purchasing my resale. From the day that I made the offer, everything was complete and recorded and I was making reservations exactly 4 weeks later.
I had other financing options so didn't need those offered by Disney. There were quite a number of resales available at the time so I got a good deal on the point costs, was able to find several different resales with the number of points I wanted and had several options of use year. The resale that I bought had banked points and the offer that I made, and had accepted, had the seller pay closing costs so I got many of the same advantages that you get with buying directly from Disney.
Although I had a good experience, going directly with Disney, you can still make ressies with the points faster than I did. Now, I'm not sure how that works right now with BCV points. You might check out other threads about that.