Last Jan, I offered full price on a semi-loaded 160 AKV contract, b/c it had just been listed and it was the use year we wanted. It was a $2 more than non-loaded contracts being offered. We planned to use the loaded points, which I valued at $6. I probably could have offered $1-2 less, but it was worth it to me to know I had the contract, esp. as I was then in the 10 mth booking window for Christmas and wanted to ensure that I closed prior to 7 mths. DVC was also exercising a lot of ROFR, and I was nervous about going too low, as well.
As a seller, I put my stripped 50 points contract up for a then premium price of $95, got an offer for $90 and countered with $93--sold. My bottom line was $90. Most 100+ point contracts were selling for $85.
If you are not is a rush and don't care about UY, and it's not a loaded contract, I would offer $2-3 less than asking price.