Not gonna lie, I've definitely thought about it just from a dues stand point especially thinking about when we get to our end point of around 1,000 points. In my mind by the time I get there that'll probably be close to 9,000 dollars in dues annually. If it ever becomes unsustainable I'll probably drop some of my resale points. This is the issue I have with resale points is even though you saved a few grand going resale, you're still paying the same amount in dues and if you're not happy having your points being restricted from use at VDH, RIV and whatever new resort, then maybe direct is the way to go because over the life the contract over 2/3 of the price is in the form of dues.
We do charge friends at the moment which has definitely helped with dues simply because we're poor millennials. Just from this year alone we've nearly had our dues paid back on our points because we always bring friends with us and they're understanding about it because they know it's not like we got these points for free and they're still getting a hell of a deal by staying with us.