question about 'direct' parameter in sql loader utility

 Hi eveyone,
Today I was asked what the advantages and disadvantages of 'direct' parameter of sql loader.

In my opinion, if swithing direct on, oracle use direct path load.

And it has no difference from the append hind in insert statement.

The core merits are less redo hence faster.
The main shortcoming is since little redo generated, we have to ask DBA to back up the data according to the rules immediately after the loading.

Does my answer make sense or not? Plesae help to point out the important things I missed.

best regards,
Leon