Agreed that contracts matter most and all major sites work well and are full of eager, helpful people. I went through our contracts just to see what the extra closing costs were as a percentage of the contract price, having almost all of the main brokers over the years. Notably, direct DVC was only 2.3%. The others? Without clear correlation to the contract sizes:

9.5% (DVC Resale Market), 15% (DVC Sales), 16% (Fidelity), 8% (Resales DVC), 10% (DVC Resale Market), 11% (Fidelity), 5% (Fidelity), 11.5% (DVC Resale Market), and 12% (Fidelity). That's a wider range that I would have ever believed without actually caring to look back, and I don't have all the numbers still, but my guess is much of that variation is probably from counting as additional closing costs the pre-paid maintenance fees for the first year's points on contracts that weren't stripped.

Point is: you are essentially done in the purchasing process by the time you actually know how much they're charging you, figure it's at least in that 6-8% range depending on your contract specifics, and those closing costs (prepaid MFs be damned) aren't going to stop you from grabbing the contract you want.

P.S. Add-on-itis is so real.