They have only stayed in our unit WITH US and could use the benefits. I have never had them stay without us. My understanding is that if- let's say our son wanted to use it without us- he would get the benefits. I would think it would also apply to his girlfriend and friends. But- there is a big discussion going on right now with other owners and management about he whole benefit thing and renter thing so stay tuned....
In terms of trading, Smuggs has an owners network page where owners can swap or rent from each other- only fixed weeks though- not floaters. It's just the luck of the draw there- nothing guaranteed. I would not buy a week you don't want to use in hopes of trading it for a certain week you do want. As for RCI- the same applies. Nothing is guaranteed. Yes- you have to pay an exchange fee and an annual membership fee. I believe if you own RCI points trading back is only $40. If it's a fixed week, you have to pay the full exchange fee. I stopped using them years ago and now, when I rarely trade, I use the freebie small independents. Or I rent from another owner where I want to go and just use my Smuggs week. For example, I just rented from a Wyndham points owner for XMAS 2015, I had a wish ad on TUG and this Wyndham person answered the ad and said she would book it for me and try for the buildings, size units and dates I wanted. A few years ago I rented a winter week from another Sycamores owner and just used my fall and summer weeks also.