She bought hers on ebay for like nothing. I am afraid if I do that I will get screwed.
I wouldn't be afraid of buying off of eBay but you do have to watch who you buy from. Check out the seller and the fees they are charging for closing. Tug Bargain List and the Tug Market Place, under $500 too. Closing cost vary, LT Transfer is one that I have used and they are reasonable, however, most eBay seller will not give you a choice on the closing company. I have got all my points resale via the above sources.
Like other have mentioned at some resorts, in quite time, you can get a 2 bedroom for 77K points. I would suggest that if you are looking for a certain resort during the summer or holidays, you may want to purchase there for the ARP (13 months reservation) other than that points are points.
One of the other things to consider is the purchase price verses maintenance fees. Bonnet Creek usually sells for more that other resorts but point being points it is easy to get in most of the time. Other resorts have lower maintenance fees other go for more initial cost. CWA (Club Wyndham Access) is attractive to many people because it has ok maintenance fees and ARP to like 60+ resorts. (I don't own any yet because of the initial cost).
One thing to know is that if you get sucked into another sale presentation or owner update you will hear every reason why resale is the bane of the earth, but you will be laughing all they way to the back knowing you saved tens of thousands of dollars.
Oh, one other thing, price on eBay cycle high to low, so watch for a little while, usually toward the end of summer to the middle of December they are better and then again the end of January till about spring break time they are low.
Good luck and have fun learning