Do you care about future resorts? How many years do you plan on continuing to travel? Do you care about special opportunities and perks that come with being a DVC-Y (Blue Card) member such as annual pass availability, discounts, and other perks. Do you hope to some day travel on the member cruises?
If so, maybe 150 points direct would be the way to go. Riviera and Grand Floridian both have very attractive offers right now.
On the other hand, if all you care about is being able to stay “somewhere”, maybe let your dollars stretch further and consider a purchase at a resort like AKV where you can get in cheaply and have many many years left. Or, if you truly don’t care where you stay, consider a “subsidized dues” contract at Aulani. That would last until 2062… Just be prepared for those final few years to start getting tougher and tougher to get into WDW.
Perhaps most importantly… before you buy, I would highly recommend touring the resort you are considering buying if at all possible. THis is, for most people, a MAJOR purchase, and something you will have for a VERY long time. Don’t go into it lightly and casually. We have toured BWV, Riviera, and VGF. Initially we thought we wanted to purchase Riviera, but after the tour, we decided that, at least to us, VGF was what gave us that magical feeling that we felt we needed to own there. The fact that it arguably has one of the most miserly
points charts is something we constantly joke about with each other….
Why couldn’t we have less expensive tastes!