Ok. Thanks all.
I wonder if I could get some comment on people's experiences in trading HGVC to RCI. Do HGVC members get any sort of priorty? Are the trades usually fulfilled without much trouble?
First of all - points are points in HGVC. You have the same rights as any other owner if you own a HGVC built unit (which Orlando is) including if you buy resale (the beauty of HGVC). I have heard that affiliate owners experience trouble borrowing points due to the fact that they are not "automatically" in the system unless the give up their week and decide to pay dues that year (HGVC built owners have no choice about paying club dues). HGVC built units are Orlando, Miami, Hawaii (not Bay club), NY (different rules) and Vegas (not Flamingo) as far as I know.
You also have access to excess HGVC inventory within 30 days (spotty but there if you work it) so you may decide to use cash to get Orlando reservations within 30 days since you are so close if you are flexible with travel dates. This means you may not need as many points. HGVC in Orlando is International Drive (Tuscany, we LOVE that place), SeaWorld and the new Ruby Lakes (under construction). Cash prices are at least partially non refundable are are generally (weekday/weekend) $60/80 studio, $80/100 1br, $100/120 2 br, $130/150 3 br a night. Any cancellation with 6 days is a complete loss.
As stated before, you do have to go thru HGVC counselors to trade into RCI. Technically, you can get last minute RCI intentory also but the bottom line is that you do NOT have a RCI logon account and will miss the real deals. And HGVC is a good trader in RCI (I think to some degree they run it).
I am very flexible on travel dates and have booked the a 2br at the Galleon in Key West (waited over a year on an RCI search) and a 1br at Villa La'berge in Del Mar (overlooking ocean, just north of San Diego). I think RCI trade are work since you don't have an account - but if you put in a search you have a good chance of getting what you want if inventory is release. This requires planning way ahead.
The frustration with HGVC is that the really only build in Vegas, Orlando and Hawaii. RCI is a pain but workable. HGVC seems to be building a relations with GPR (Grand Pacific Resorts) in Cali so the southern Cali coast is becoming available. I find it HARD to get into affiliates but to me I have found that with work I am getting some great vacations with a small investment.
As everyone will tell you - BUY RESALE !