I had to prove that our kids were on all of our RCI Points deeds, before I could add them to the RCI Points account. I like that I can put their names on without paying a guest fee, but I don't have a box to check for the person checking in, so I have to literally call to get them added as a guest. So when we go to Disney Vacation Club resorts via exchange, I just leave Rick's and my names on every unit (sometimes we have 3 units X 2 weeks), and then Disney makes an issue that, "You cannot be in all three units, just the two of you." Then I have to make that call to RCI to add one of the kids to one of them. It's a pain.
With II, all of our kids show up on the account and I can add their names without fees. I now have Platinum so don't even have to pay fees for any guests now, but I like that they know I am not "renting" exchanges.