Given the recent price increase to $210 I would strongly recommend saving the money on a resale contract. Add in the financing charges and you are really forgoing any real savings at that price point for quite some time. Additionally, while no one plans on having things go poorly, if you buy resale and have to get out you will recover the majority of your costs, which is especially important seeing as how you will be financing. If you purchase direct at $210 and resale prices are in the $140-150 range (before commission) you could really take a huge loss if you were forced to sell. Why set yourself up for that?
There are a ton of threads on here regarding that, but a quick answer would be direct pro is the blue card membership, con is that it is more expensive. Resale pro is savings con is the restrictions.
There's so much to unpack here. First, the implication is that if you bought DVC you would go every year but if you didn't you would go every other year. So to start off with it's sort of an apples and oranges comparison. That said, it would really be in your best interest to do the calculations yourself for two reasons. First, you will learn a TON in the process about how DVC works, what your options are, relative costs, etc. The second is that everyone uses different assumptions and those assumptions greatly influence the breakeven point.
That said, I'll give you an oversimplified answer. If you buy direct and finance, it would take you approximately 30 years to break even vs. simply renting points at CCV each year. If you bought resale that number would shrink to about 20 years. If you used rack rates with a discount the numbers would change to roughly 25 and 15 years respectively.
Your total point cost per year would be whatever you pay divided by the number of years left on the contract. That said, IMO that is a terrible way to look at DVC because if your points cost you $4 a piece each year, you are required to pay that $4 now for points you get 40 years from now. $4 in 40 years could easily be worth $30-40 or more. The generally accepted way to look at DVC is over a ten or fifteen year horizon. If it makes sense for that timeframe then it will likely make sense overall.
FWIW I would recommend against buying CCV direct at $210 per point. I would strongly recommend against financing it. I would barely recommend buying CCV on the resale market and I have no recommendations one way or another about buying CCV resale and financing. But I am by far one of the most bearish posters on these boards with regards to DVC, so at least I've established one end of the spectrum. Good luck with your decision.