I would only buy resale if you don’t finance...too much happens that convince you to pay off later and later. If you set a definite plan where you pay it off in 12 months- then maybe.
Definitely wouldn’t buy direct. I would buy resale at Old Key West (extended) or Saratoga Springs for under $90 a point. Spend $9500 (closing costs included) on 100 points and don’t forget the $18,000 you will pay in maintenance fees if you keep it that long. Make sure you incorporate that into your budget. We avoided buying our first 25 years of marriage and we came out better. We have been to Disney 8x and always scored free dining or 40-60% off Deluxe rooms- heck, we even got AKL for $129 a night the 2nd year it was open- and that was Savannah view. But, like you said- room rates took a huge hike the past two years- so we will save the next few months to pay it in full when we bid. Good luck!!