With Hilton it is a corporate account that you use to make the RCI reservation so the proximity rule (50 mile rule?) doesn't apply.
Per RCI Disclaimer for DVC booked through HGVC:
Addition of dining plans requires full payment upfront, reservation must occur no less than 48 hours in advance to add dining plan. Disney's Magical Express requires RSVP to 800-800-9800 48 hours prior to arrival and includes shuttle/bag service from/to airport. Call DVC member services at 800-800-9800 no later than 48 hours prior to arrival to provide all guest names in advance, no exceptions.
$95 mandatory resort fee charged at check-in. Fee includes but is not limited to services such as assistance with dining reservations, Disney's Magical Express reservations and purchasing theme park tickets through DVC member services toll free number 800-800-9800.
There is an area ownership restriction at this resort. If you made this reservation using points from an Orlando ownership or a resort within 30 miles of Disneyworld resorts in Orlando, it will be cancelled and you will be notified about rebooking a non-Disney property.
The reality is RCI is lazy and doesn't bother to check if you are an Orlando owner (and have no way to tell AFAIK), but technically it is not allowed, so I wouldn't recommend making the decision to buy a HGVC in Orlando relying on the way it works now. Of course, purchasing relying on RCI at all is dicey as HGVC or DVC could drop RCI
Our maintenance fees are approx 18 cents/Hilton Point plus we pay a $199 RCI exchange fee with each reservation. So our cost for each 7 night stay is (3400 x 0.18 + 199) = $811 in a 1 BR and (5000 x 0.18 +199) = $1099 in a 2 BR. Plus we get to use the Magical Express, Magic hours, meal plans if we want as well.
Also $95 mandatory resort fee -- see disclaimer above for details on this, registering guests, booking DME and DDP
One other thing we discovered about the two, and we considered DVC for a while, is that DVC is a right to use ownership and HGVC is a deeded property. Basically DVC ownership 'expires' at a certain point in time while we continue to own HGVC as long as we pay maintenance fees and can pass it on to our heirs.
This is a bit of a misnomer. While DVC timeshare value is fixed (e.g. you know exactly how many points it will give you over the fixed life of the contract, and will depreciates to 0 at that time),
all timeshare depreciate to 0 value when the value of the benefit (the week) becomes worth
less than the cost of the maintenance fee, and worse they continue to depreciate to a
negative value since you still have the maintenance fee liability long after the benefit has disappeared until
you die. This is why it is common practice for people to pay people to take their timeshare and why people refuse to accept timeshares bestowed as part of an estate. Disney is just being realistic about this and having the value
and the liability expire at same point,
so the value never becomes negative, and then they can tear down the building and start over (which is what would eventually happen in the actual HGVC timeshare you own as well).