I own both, but prefer annual because if you buy EOY the maintenance fee is a little higher and instead of a $400 closing cost you pay for two closing costs.
DSV1 is lovely and I have been there for 25 yrs. But MF just went up $200, so one year ago I prefer my DSV1 to DSV2. But not now for $200 more, and especially since I always trade to Hawaii and Newport Coast. Try this spilt the lock off and trade the small unit into Newport Coast and get an off season two bedroom(all units are 2 bedroom) in Feb or March(great time of year) or do the same at the Marriott at Poipu Kauai during Oct/Nov/March, and do it again using the one bedroom. Can it be done. I have done it for 25 years.
Oh yes, why buy Hawaii and pay $1600 of maintenance fee compared to DSV2 at $1067 and $72 property tax.
Here is a quick tip you can rent at the Marriotts in Palm Desert from Interval at a get away price that is less than MF. Do it and try DSV!, DSV2, and Shadow Ridge. TS prices are not going up anytime soon, so be smart and sleep at the location and "kick the tires" and find the one that lights your fire.
Oh yes, I strongly recommend Interval because that is how you trade and get into other Marriotts(Marriott Desk Preference) otherwise all the other thousands of TS exchangers that have a higher value unit to trade get ahead of your less lock off unit.
Enjoy going to Palm Desert and Newport you are so very lucky to be able to drive them. We have no weather in Southern California, I just saw the Eastern storms on cnn news.
Enjoy the timeshare and Tugg experience it really is easy to enjoy.