84K points does not get you much, but as to your HK question, you will get 84 HK upon annual renewal. KH do not carryover into subsequent years. I am not versed in the extra HK you get from the bonus points; they could be good for as long as the bonus points are good, but you'll have to ask Wyndham.
How new are you? When did you purchase the contract and is it an Annual renewal or every-other-year? If you are within the recission period, many on here will recommend you IMMEDIATELY rescind. You can find resale contracts for much cheaper than for what Wyndham is selling them.