There are 2 ways to look at purchasing points...retail versus 3rd party steal.
It's awesome that you live so near such an amazing property. No wonder you want Day Use and Bonus Time! I used to work for BlueGreen, and it is definitely true that you do not have Day Use (part of Charter Benefits), unless you purchase directly from BlueGreen or their resale company, Pinnacle Vacations. It's one of the things we always cautioned and reminded people about if they said they could always purchase on eBay or through some other 3rd party means.
This all being said, I always wanted to become a BlueGreen owner, because I really believed in the product I was selling, and I was extremely familiar with how the product works, and how my family would use it. Affordability was an issue, as I'm sure you've researched...retail price buying directly from BlueGreen...a little cheaper, but still expensive through Pinnacle, but you will get the Charter Benefits...amazing deals through eBay. Back in February, I wandered onto eBay and ended up getting a 24,000bi points package at a STEAL! The closing took a long time, but the closing company was great. I just got my owner # and booked Myrtle Beach for this summer. We live near a property that has an indoor and outdoor pool, so it would be nice to have Day Use too, but we know that the overall savings/deal overrides paying thousands for Charter Benefits.
My advice to you is this...when I worked in owner services for BlueGreen back in 2007/2008, we would get people who bought through 3rd party means without any Charter Benefits, but wanted those benefits. The only way they would get them, is to buy some points from BlueGreen. Back then, you could blend your 3rd party points and your retail points...that is no longer the case. You would always have 2 packages, with maintenance fees calculated with a base amount and however many points you owned together. You will pay more for your maintenance fees overall, plus 2 sets of club dues.
If you HAVE to have Day Use, which means Charter Benefits, which means purchasing through BlueGreen or Pinnacle...then do it. Spend more, get more, and make sure it's a point level that will work for you for years to come without having to upgrade.
If you can live without Day Use, but are okay with being deeded out of Big Cedar so you can use Bonus Time, then buy through a 3rd party like eBay, and save your money. Keep in mind, if you do this, and you go on an owners' update...which you should every once in a while...they will push for you to buy and remind you of what you don't have. You can ask about blending the packages, but I'm 99% sure you can't. It was a feature we loved in owners' services because it was a huge incentive for people to buy a few more points who just wanted the Charter Benefits and maybe to get to the next tier of ownership.
Either way, make sure you ask the right questions and understand EXACTLY what you're purchasing. Make sure your mortgage is fully paid and all fees are up to date, and that you can use it ASAP. Don't be fooled.
I hope that helps a bit! Sorry so long.