Okay -- Wyndham and its "family" of acquistions has different currencies --- my Wyndham Plus points has a different "value factor" than your points. 20K in points barely gets me 1 night in a small unit in the off season.
20K in your program gets you what size unit in what season and for how long? Could you name some of the member resorts open to your early booking window (mine early booking window is 13 thru 11 months before check .. the resorts are mostly USA locales; 154K usually gets me a 1bdr Prime season).
How do you travel? Timesharing here in the states, requires advanced planning or last minute (leftover) acceptance.
How long? Our timeshare world is 7 night stays with checkins usually FRI, SAT or SUN.
Drive or Fly? Yes, the USA is a big country, but with the number of Wyndham vacation resorts and living in certain regions, many Wyndham owners can and od drive to a variety of their vacations.
And your family's vacation budget? Remember, timeshare MFs always go UP - every year. You are locking yourself into this expenditure EVERY YEAR. Your travel costs will always go up. And these vacations experiences do not change a lot -- turning your points into a cruise vacation is usually (here in the states), NOT a good value -- our cruise discounters can usually match the cash outlay without transferring (using our Wyndham points).
PS Here in the states, the Wyndham Discovery Program (a trial membership of a block of Wyndham points good for 18 months) is their MOST successful conversion to FULL membership SALES PROGRAM. Except, Wyndham has a special phone line and vacation agents who work with 'withheld' PRIME vacation inventory to make sure these "guests" go from spending $2000 USD to $40,000 or more. then, their points are only good for 1 year, the inventory is open to all the 500,000+ members and the phone agents have a waiting queue...
Mind you, I have lots of points (resale mostly)(and have VIP status), learned the ins & outs of our system, live in the area with many Wyndham resorts (EAST COAST of USA), like having a full kitchen ... and most likely older than you (wishing I could retire soon, but not going to happen).