First of all, let me start out by saying that I own an EOY unit worth 7K points that I bought on ebay for $1900. I then paid the $300 that was required to convert to HGVC. I bought at the Bay Club as a cheap way into the HHV. I have owned the unit for four years and have yet to book the HHV. That is my choice. In the meantime I have rented my bay club unit and stayed there myself. IMHO, it is overrated! Your best view is of the golf course. You do not have access to the Hilton Waikaloa pools without an additional hefty fee. The units are large, but the view is poorand the units dated. The view is poor compared to my Shearwater penthouse unit on Kauai, or even my beachfront unit at the Pono Kai. Both of which either are much cheaper (PK) or comprable in price (Shearwater). The bay club units are about the same size and quality as my Paniolo Greens units, but are inferior to the Shearwater. MY MFs at Paniolo are about 60% of the Bay Club's MFs and the Paniolo includes discounted golf green fees. $25 per 18 holes and includes a cart. At the Bay Club you look at the golf course , but at Paniolo you look over the course and you can play it too!!. At present I do not plan to return to the Bay Club. I will try my trade to HHV and hopefully will enjoy it and justify my purchase. Ben