Questions about Buying

I am considering buying and I have several questions I am hoping people can help me with.
I am very on board for this, but my husband can burn out on Disney.

Renting Points: We were thinking of taking every other year off and renting points. I have seen that you all say you can rent points and get around 16-20 a point if you go through an agency, more if you go through a fb group, and the most if you do a confirmed booking. Is this accurate? Also, if the ability to rent points written into the contract or is that something Disney can do away with whenever? Lastly, has the price of renting points been roughly keeping up with inflation or has is stayed the same?

Using points places besides Disney: Has anyone ever booked through the Vacation Exchange? It seems complicated.

Resale: I noticed that Rivieria, where we would probably buy has terrible resale value. Is this because resale can only book there? In your opinions, is this the way that all the contracts will go in the future? The only other available contract I would be interested in is the Poly

Price: Right now, with selling back our first year and the current incentives, I can get a 250 point RIV contract down to $177 a point. Does that seem like a good deal? Or would buying a smaller contract and then adding on points be a better deal?

Lastly Dues! Disney says to assume dues are going up about 4.5% every year, but it doesn't look like that's been the case. Has anyone done the math on historical dues? Is that an accurate number for what has happened in the past?