IMHO, you don't know enough about the Wyndham point system which may be part of your confusion.
Wyndham points have fees to use the reservation for night stays. I am assuming you would only buy resale Wyndham points - for the rest of these discussions.
1). You can only book into Wyndham resorts on nightly stays and only if that resort is not in prime time, must book in on Fri or Sat (or chkout on Fri or Sat) either for 7 nights or 3 or 4 night stays.
2) You get so many RT (reservation transactions) and HK (housekeeping credits) based on the number of points you own. Short stays will have you buy more of each of these. This will be altering the cost structure for nightly or two stays.
3) Reserving 3 or 4 BDRs in the off-season (Wyndham resorts, I will assume) is not as easy as you might think. The mega-owners grab these with point discounts (VIP) and then free upgrade (VIP) to the next larger available units for free (so, many of them manipulate the reservation system to go from a 1 bdr to a 3 bdr, midweek, using only 20,000 pts). Wyndham Vacation Rentals also grabs the larger units (weekends particularly) to rent them out - from what I understand at these boards at the 60 day mark. Look at eBay for the vacation rentals via mega-owner/renters. Wyndham has tried to alter this rental market - to improve their own rentals no doubt - via limiting Guest Certificate w/o a fee (5X what is was before 10/15/08), not allowing cancelled reservations w/o lost of points after the 15 day before checkin, etc, limiting resale points numbers in calculating all VIP owners numbers (like towards the Guest Certificate allocatements).
As for RCI Points - can't use Wyndham resale points w/o paying a initiation fee to Wyndham to get into Plus Partners - to get RCI Points nightly stays. As other posters have stated, leasing an RCI Points contract is cheap and has a renewal option after 3 years.
It really does take awhile to understand even one of these TS systems. And every system has twists to skim $$$ into who evers hands - fees for exchanges, renting exchanges, HK fees, Guest Certificate fees, etc.
Keep reading and try to ask questions in as much detail as possible.