As others have noted, having the same UY is easier, but as conversely argued, it's not a huge pain to keep them straight. If you do buy both resale and direct, I like the advice given about buying resale first then going direct second. Disney will always find a way to let you spend money, even at resorts that are sold out and not actively being sold by Disney. As for resale vs direct, there is very little about buying direct that makes it a better choice. Granted, whether to buy direct or not is a personal choice, but you will almost always save thousands of dollars going resale, and no amount of small discounts and perks (which can end at their discretion, anyway) can make up the difference unless you perhaps hold onto the contract for 40 years or so. A quick search of just one resale site showed 100-pt contracts for as low as $158 pp, and 200-pt contracts at $149 pp. Do the math: $210 x 100 = $21K. $158 x 100 = $15.8K. That's over $5K you can save on one contract. How many years would it take you to recoup $5K using the 10% discount on merchandise, some restaurants, and ticket purchases? I know the answer for us. Genuinely wish you good luck in your search and decision!