I don't know. I been booking for the kids my two daughters and each have two children. Last year first week of August in Wisconsin Dells this year Smokey Mountain lodge a two and three bedroom. Every year spring break etc. I would book a Wyndham where they want to go for spring break. This year The Fountain's showed up. I had just cancelled my Quebec city Trip and received my points back. I paid the $89 Travel Insurance and received my points and a credit for my exchange fee but points had to be booked by end of year.
I switched my daughter to The Fountains and cancelled my WYNDHAM Bonet Creek I made for her. Take a look at the Fountains. It seems you don't have the luxury of time to fiddle with RCI.
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Nice on the Wisc Dells. I'm not sure how I would judge Smokey Mountain Lodge as quality of trade, as I've never been to the area. The Fountains doesn't impress me as a rebuttal to someone who said there are only few places you could find a reliable and decent exchange, and listed Orlando as one of them.