The $299 transfer fee hurts in reselling a small contract. The SMALLEST contract I have seen regularly is 28K. It climbs to 49K, 77K ... there may be others. :ignore: I think there was a Westwinds 14K point contract on eBAY once.
Other options would be to buy a bigger contract and CREDIT POOL the points - so every 3 years, you got a bigger bucket of points for an extra week's vacation or a more expensive vacation (or to take relatives). Credit pool is done (unless VIP rules apply) before the start of the USE YEAR ($39 fee, I think). No costs to PULL the points you need from the Credit Pool, but the points loose ARP value.
If you don't need ARP, I would go hunting for a CHEAP MF contract and try for number of points required for THAT resort's a PRIME 1bedroom unit.
Why? Resale desirability. Who needs ARP and wants to get AT LEAST a 1bdr size unit.
ANOTHER OPTION: Buy a contract with the NEEDED points YOU want WHERE you want. Then, sell (or give away) your older contract (unless you brought them directly from Wyndham and they are the basis of your (future) VIP status).