Please check this immediately!
With your developer purchase, you are also entitled to "PIC" up to two weeks into the program. If you already own timeshares elsewhere, they may already be "PIC" eligible. If you don't, you may still have time to get one transferred in quickly and "PIC" it. To Ron's point, your VIP benefits are TEMPORARY as it stands now. 205K is 195K below silver VIP level. However, if you PIC a 3BR, that will give you quasi-permanent VIP credit of 254K points. You can PIC up to 2 weeks, so you could actually PIC 508K points worth, which with your 205K would give you permanent GOLD VIP status. I say "quasi-permanent" because PIC eligibility can change over time, although I have not heard of anyone actually losing PIC eligibility once entered in the program.
You generally have 90 days from the date of purchase to identify and include your PIC weeks. Please dig out your forms, follow-up as necessary to see if you can take advantage of this.
I am assuming you are beyond the 10-day rescission period which would be the ideal choice... but given you are beyond that but still have time to further leverage your ownership, I'd recommend you look at PIC as quickly as possible. Given how long transfers take, you will have to act VERY quickly to take advantage of this. What you will need to do is:
1) identify RCI-affiliated week-based resorts. IF they interval has been converted to RCI points, it is NOT eligible to PIC
2) ensure you can execute the transfer quickly enough to include it during your PIC eligibility associated with your developer/retail purchase (generally 90 days, check your contract)
Even if you don't "PIC" your weeks in a given year (let's say, for example, you have a 3BR unit in Orlando that's eligible and you decide to use it for your own vacation directly) - you don't pay the fee and get the 254K points to use that year, but those points STILL COUNT toward your VIP status. And that is the important thing.
Good luck - there is a lot to learn to best utilize the Wyndham system, but it is a very good system once you get familiar with it and they do have a lot of nice resorts.