I think there are a lot more people who feel confident that they would want to spend around 3-4 nights at
Disneyland per year, which is important since you cannot use the points anywhere else, and would feel ok getting some amount of discount on the points without having to buy the full 150 points. I think splitting your contract at VDH into smaller chunks will end up being well worth the extra fee when/if it comes time to sell.
This is from a west coast perspective because a 3-4 night trip wouldn’t be worth the effort from the east coast unless you were combining it with a longer trip like Aulani or other part of the west coast.