Multiple contracts

Good morning everyone! We are currently waiting for ROFR on Baylake towers for a 160 point contract. I know we are going to need more points than those for the amount of times we travel to Disney World, but we are starting with what we can afford and a home resort we both love and agree upon. For the future, my partner loves Animal Kingdom and I love Riviera. We bought resale for BLT, but we want to buy direct next time to be able to access future resorts. Since we can't agree on what our second resort would be, would is it wise to buy two small 75 point contracts for each resort in the future or would we be risking not being able to get a room for part of our future vacation even at the 11 month window due to availability? Would disney give direct benefits for two seperate contracts that total 150 points? TIA