While I agree that there are no HIDDEN charges, there are extra charges. I am on my 3rd(?) year of Wyndham ownership and I am finding that I am hitting against my reservation transaction limits so I am always now holding back on my bookings. Also, unless you don't pool your points in the credit pool, there's still that $39 charge.
So far, I haven't paid anything "extra" except for the credit pool fee. But I had extra RTs my first year. I am finding though that if one does take advantage of the ARP, and if that changes, at all -- one will hit the RT limit.
I have about 549K points. I have 7 RTs, and I only have 1 RT left back in March. Yes, my fault because I've had to move our 4th of July dates and Thanksgiving dates multiple times. But it does happen
So far, I haven't had to pay extra for HK but again, to be transparent - if one does a lot of short trips, there is a risk of going over your limit and have to pay extra.
So in summary: Credit Pool fee, and RT and HK fees in cases where you keep on changing your plans or do a lot of short stays.
There are no additional fees for similar transactions with DVC. The $95 exchange fee is an BV/RCI fee really and not a DVC fee. So, if you stay within the DVC resorts, no fees aside from MF.