Welcome to TUG!
raygo123 told the truth .. you paid $22,000 too much.
Keep the 84K Grand Desert deed ... and buy a resale CWA deed for chump change (under $100 plus some closing costs ... total under $500.)
You have Member's Directory ... go look up points charts for several desireable vacation places YOU would go to. RTs and HKs follow the 77K rule. Get another HK or RT in you member account for each FULL 77K of points in your account.
So 154K, get 2 RTs, 231K gets you 3 RTs. Use a RT each DAY you make a transaction on you Member Id. This will HELP you decide HOW MANY points you need to add and going to multiple places, how to not get NICKLED and DIMED everytime you change plans.
Played the vacation planning in theory ... calculate the points you need yearly in multiples of 77K.
Next is look WHERE you will mostly be vacationing at. ARP is ONLY important if you are planning 11-13 months in advance. The BIG Holidays ... Xmas, NYE, Thanksgiving, Easter, July 4th, Spring Break. Most people have Family dinners half the time for these dates. Most timeshare reservations are FRI or SAT 7 night checkins (a few resorts have Sunday checkin)... so that will limit where you want to go.
Then consider MF costs ... beach locations tend to cost more to maintain; new resorts cost MORE points to stay at (and first few years, MFs per 1K of points LOOKS LOWER ... but remember takes MORE points to book).
And some resorts just have WAY more expenses and others just seem to be CHEAP. Some of my lowest MF/per 1K in points ... are at Wyndham Shawnee Prime Fixed weeks converted to points (166K in points for $680 annual MFs plus the CWP $.55 per 1k or my second deed for $680 MF for 177K in points). Now, if you don't need ARP ... just chasing low MF ratio.. that would be fine. But ARP is the underlying fixed week and my Shawnee f/w just happen to be Week 52 units. Ski area, indoor pool, fireplaces in unit, northeast USE off I-80 .. checks a lot of boxes (for me).
You have to research and figure our YOUR niche .. for owning Wyndham points. And Wyndham ARP.
Lower MF deeds general go for a HIGHER sales price. CWA is fine ... lots of different possible ARP. But it is an AVERAGE of the MFs and points ... they own a lot of low point non-prime weeks... if you are chasing lowest MFs, you can get better performance owning at lowest MF/k resorts.
