Agreed that the point spread is indeed a problem for direct sales. Though I'm well aware that all the blue card benefits are not contracted, I don't feel Disney can diminish them right now, because it will further impact direct sales at a time when they can't afford that to happen. Also, no one takes into account potentially impactful new benefits Disney will no doubt add in the future. If direct sales continue to be problematic, they might very well be motivated to come up with unanticipated new benefits members can and will enjoy. What if they added an even larger AP discount? That could make a huge difference. Also, with my direct points, no, I don't have to give in to the Riviera restrictions. I'm free to book it at 7 months even though I wouldn't buy it as a home resort (due to the restrictions).
Though I know its debatable, its not impossible that resale prices will trend down the closer we get to 2042.