You should look carefully at the
point charts. 100-125 probably won't get you as far as you think. Shortly after buying a first contract, people will often start exploring buying more points, as DVC tends to change the way you travel to WDW.
Fast forward 6 months. You bought 125 points direct, you have all the benefits and then quickly realize you need more points. At that point, your husband will submit that since you have all the benefits, buying resale won't be a bad idea. You find a poly contract for 125 points, just the right number of points you'll need more to squeeze in that extra trip. Then you have that conversation with your husband.
You: You know, at $160/pt, we could've just bought 75 points direct for the benefits.
Husband: Yeah.
Y: We would've saved a ton of money with a 200 resale contract instead from the start.
H: Yeah. I get it.
Y: That's a lot of If only there was a way for us to go back in time and-
H: I MADE A MISTAKE, OK! YOU'RE RIGHT, BUT WE CAN'T GO BACK CAN WE?!
Y: Or can we?
[SFX: dreamy wavey sound]
Buy your resale contract first and if your guide really feels finding you 100-125 points would be easy peasy, finding you 75 should be even easier.