Just remember that points required by HGVC to book RCI are fixed by season and size of unit. They do not vary by resort, where as points required by RCI points vary by resort. That makes some deals, especially for the really high point cost, better using HGVC points and some exchanges better using RCI points. Look at the point value. You can see page 169 of your HGVC Members guide for the point values.
For instance I used my HGVC for a Manhattan Club Studio, only 2400 HGVC points, but 72,000 RCI Points. I also used 4800 HGVC points for the 1 BR Residences at the Crane in Barbados 86,500. But I did not use 7000 HGVC for the 2BR at The Landings at Seven Coves, instead I used my RCI points and paid 36,000.
So pick and choose your currency. Either RCI points or HGVC points.
Higher point values are better to use HGVC with and lower point values are better using your RCI points available. Just keep track of how many HGVC points you have, as you can't see them anywhere, you have to call HGVC to find out how many you have left.