Here is my view. Hold tight to your money. Listen to the advice of those who have done the numbers. You can rent from someone else if you want another vacation and it may even be cheaper than the points or maintenance fees that you would pay? Rentals are not easy! There are just way too many people selling vacations on ebay, Craig's List and other places for way too cheap.
There is too much competition in the timeshare world for sought after dates, even with ARP and there is lots of planning involved. Look and study ebay SOLD prices - not just active listings.
I used to look at rental prices and ask myself how can these people sell vacations for under the cost of their maintenance fees using x amount of points, get guest confirmations, pay end of auction fees, answer all of those questions, etc...?
Some people have mastered the system, and they do very well for themselves! The higher your purchase price and maintenance fees - the harder you must work to figure out how are you going to use, rent, give or loose those points? Will your strategy work well for you?
If you want more vacations for you, think very carefully before buying any more points contracts or even CWA. You can still borrow your own points from a future use year. You can credit pool and save points for that special trip, or even buy yourself some time -3 years with the credit pool feature to figure out how you will use the points that you already have?
RCI is another great way to get some fabulous vacations using last call - a week for under $300. With RCI Last Call, there are No exchange fees and you DO NOT use up any Wyndham points to do it! Additionally, RCI extra vacations has great deals when they run specials. Plus, RCI has specials/ promotions for $199 vacations.
With all of the rentals and deals out there - do you really need more points?
Cynthia T.