Cannot agree more. 80k HGVC points means $10k–$20k in annual MF alone — if I had that budget, I'd diversify into different systems instead.
My current setup is modest: 15k HGVC points, and this year I just added a Sheraton Broadway Plantation 2BR lockoff. The roadmap from here is Wyndham Club Access at 150k points, then a WKV 2BR lockoff, and the long-term dream is a Marriott Maui oceanfront 2BR lockoff. Hoping to get there within the next 10 years, with a combined MF somewhere around $10k at that point.
Neither approach is wrong — it really comes down to what you value and how you travel. Respect to everyone doing it their own way.