DVC should never be considered in a "purely financial" mindset. It is NOT an investment that anyone can expect to "make" money on. People keep talking about how you could do so much better investing your money in something, and using the profits for Disney trips. Sorry, but unless you have several hundred thousand dollars at a rate of return greater than almost anything today, you're never going to have enough to stay deluxe for 2-3 trips a year like we do. Just not going to happen. DVC isn't for everyone, I am the first to admit that, as the one and only thing that should be considered when purchasing DVC is the money saved on the deluxe accomadations. Period. Never buy thinking that there will be discounts. Never buy if you think you might make money on a resale. The resale market could crash tomorrow.
We have owned at SSR for over 15 years already, and plan on leaving it to our kids in 20 years or so. Still plenty of time for them to enjoy it themselves, though we already add them onto trips every other year now.
This is what the OP lead with. Clearly preferring RIV and indicating they would sell in 20 years. If the advice is not meant to be financial then yes, they should buy RIV and not worry about the 11k difference. The only reason they are considering SSR is because of the financial aspect, so that's what I was discussing.
There's nothing wrong with extracting all the value and running out the life of a contract. At a certain point someone needs to point out that there is absolutely no financial benefit to buy Boardwalk Direct when renting more or less breaks even. In this instance I think the OP is indicating they want RIV but are getting stuck on the upfront cost of the contract, which really is a small portion of the lifetime use of the contract.
Just like the maintenance fees, the biggest predictor of which has to do with the cost of the home resorts points chart pricing. RIV likely will be at or below SSR maintenance fee wise.