You are talking point system vs. deeded weeks. That's not a good comparison. I pay for my RCI Points membership myself, out of my own pocket, but it does include RCI weeks as well. RCI Points and Weeks is a terrible system to use. If you aren't "blessed" with the privilege of using it, you are lucky. It's crap. The inventory in RCI doesn't show up like it does through Wyndham/ RCI.
Maybe I'm somehow unclear, or expecting people to read the thread of what I was replying to. I was saying in
HGVC (not Wyndham) that to exchange
within the system the fees are less than
resale MVC. I.e. if I own Seaworld, and want to stay in Marbrisa, I pay $80. My understanding is, unless you pay a lot one way or another, with resale MVC, say I own Ocean Pointe and want to stay in Grand Chateau, I have to pay a $199 II exchange fee. I'm making the II membership and the HGVC "club dues" a wash, though many just count club dues part of MF with HGVC.
This is a case of "You don't know what you don't know."
RCI membership is included because you own points in a system that charges members a fee to include the RCI membership. Great deal.

How much are you paying in program fees to Wyndham? On one million points, we are paying about $800 bucks a year for that RCI account. They call this their operating fees, but guess what, the HOA should cover that. Wyndham takes forever to transfer a deed, and they charge $399!!!! Marriott charges $25.
Wyndham sucks.
I know you hate Wyndham, but they don't charge fees for the internal exchanges and if you're booking weeks for weeks (because again, AFAIK with
resale MVC you can only book whole weeks with or without RCI) you almost certainly won't run out of housekeeping credits. They actually charge
less than HGVC for the transfer. And you don't have the II "slot machine" / OGS - all Wyndham direct bookings I've tried are available at 10 months out for a instant book for known point values.
What junk fees are you talking about with Marriott? The $99 lockoff fee? That's minimal.
More than the HGVC booking fee OR the Wyndham free booking. But no, I was referring to the $3 per point to get Abound points resale, on top of the booking points being more than the points you get for depositing the week (as described earlier in this thread).
But, assuming you own just a week resale in each of these, then assuming you have the trade power in II or points in HGVC or Wyndham - booking 2 weeks is 2 booking fees - HGVC = $160. Wyndham is (if you haven't done a lot of weekend trips) free. MVC is that $99 lockoff, plus 2 $199 exchange fees. And 2-3 size upgrade fees if you want 2BRs, though I'll admit that in the HGVC world you can only get 2BR off season for 5600 pts and who knows for Wyndham, it's all over the map if "one week" or "one contract UDI" can get you 2 weeks exactly. I'm handwaving a little buy using "trade power" to compare to various points values, but it's not exactly comparable.
$199 exchange fees within Marriott/ Vistana resorts vs. $299 with RCI. That alone saves the $99 lockoff fee with one exchange, and you get two exchanges.
Sure, but don't forget the $89? unit size upgrade fee for the 1BR and double that for 2 sizes on the studio. OR the extra cost for Platinum in II to reduce those. In RCI Points at a good point to MF resort, you can get 2 weeks with no size upgrade fees at all. That's probably a wash, or still in IIs favor, but I also see a lot of opportunities to pay 7,500-30k points, which would with a pretty good but not the best GrandView week gets you 3-6 or more trades. Yes, your exchange fee is higher, but if you're getting additional MVC weeks to get as many bookings, that MF cost might overcome an extra $100 per booking in RCI. Where RCI exchanges don't usually make a lot of sense is from a corporate account like Wyndham or HGVC but II still charges $30 more per exchange if you exchange out of MVC, and you also get the same issue there where most of the independents aren't a good value to exchange into from MVC.
RCI insurance SUCKS and doesn't include the $299 exchange fee. What a waste of $129, or whatever it costs. I
I never buy insurance from II or RCI or HGVC or whoever. I might from a third party for a whole international trip where theres a lot of hotel usage, flights, etc. But TS I self insure. So far I'm ahead, and if I miss one trip, or one week, I think that still (with the amount of bookings I do) is only about a year of insurance payments, so I'd need to miss multiple weeks which so far has worked out.
I know you also dislike RCI, but that seems to be based on your specific trading style and needs or wants. For me, many places I want to go are either only in RCI or work out A LOT CHEAPER to book via RCI (points or Extra Vacations or Last Calls). But I'm up here in the NE looking at Vermont, NH, and Massanutten a lot, as well as some Canada. When I went to Branson (really, videos are coming eventually, life is crazy right now) the MVC I booked cost me about double the Wyndham I booked, but I think it was only 2 points higher on my rating scale. Your mileage and ratings will vary, but I'm not sure if I was forced back to Branson which I'd look to replicate.