The only reason I would buy direct right now is if I wanted the perks of being able to buy AP at a reduce cost. Otherwise, the resale market is down and now is the chance to snag lower price per points. With that said, we love our DVC and as my children get older, we do more resort only stays. We love VB, and have gone to HH. We plan to go to DL and Aulani one day as well. Growing up the only place we ever went was camping, so I wanted my children to have vacations they would remember and one day want to take their children.