Three of mine are every other year, which means I pay 1/2 in mf. I let my boss rent the Polo Towers from me because he's an avid poker player in Las Vegas. Plus, my overcharging him for the rental makes me feel better when he turns me down for a raise.
The Summit is a 4 bedroom lockoff within a 2 hour driving distance. We use that for family re-unions, etc., because it's big enough for the entire family (and a terrific place). If we don't use it, we rent it or bank it as two 2 bedroom units and even receive a bonus week from RCI for depositing it.
The Vistana we use for our own Christmas week in Florida. This is the only week out of the year we are guaranteed that all children are free from school, etc. When we first started looking at TS, we were advised not to buy in Florida because Florida was an easy trade with high MF fees. However, what we ran into was not being able to get into where we wanted because of 1 in 3 and 1 in 4 rules, and/or no availability during our wanted week. So we purchased this one cheap on Ebay and we always have it for Christmas. If we can't go for some reason, we rent it. Since we pay 1/2 in mf, we can charge less for the rental (Unless it's for my boss).
The Wyndhams are points and our only annuals. We use the Williamsburg points for long weekends, etc., especially during Hallowscream at Bush Gardens. That's only about a 3 hour drive for us. The Branson we bought dirt cheap to add points, which we use or rent.
My DH has 6 weeks of vacation a year, I have 3. We use every hour of it. Also, he works for a large company. Word got around his office and someone is always asking if we have anything available to rent. A lot of the time, we're sending people away because we ran out of weeks or points to rent out. For that reason, we're thinking of buying more points.