Mine is enrolled in DC but is always used as a trader.
By paying the DC fee, I get lock off $80 two exchange fees $174 & $174 (do not know current Mar to Mar exchange fee for non enrolled weeks) and EPlus $54 & $54
It is worthless to convert to DC points.
Trades have included January studio MOC using 1BR
Two 3BR St Kitts in October using studio/1BR
Aruba Surf and Ocean Club February March
Marriott Paris Disneyworld. 2 BR Using 1 BR
Marriott Custom House Late April 1 BR using studio
Four Seasons Aviara 1BR using 1BR
Frenchman's Cove two 2BR using studio/1BR October
Ocean Pointe 1BR May using studio
Kauai Beach Club 1BR May using 1BR
Works for me