Bottom line is that you have to make that decision yourself, of course, but resale TS aren't a bad way to go IMHO. When you do the comparison, though, be sure you include all of the costs for the weeks. On the renting side, it would be the $800. On the exchanging side you should also factor in the exchange company membership fees and exchange fees, prorated on a per week basis. Assuming you are analyzing Williamsburg Plantation (WPN) or the Colonies (CWQ) using Interval to trade, you can find those fees at:
If you pay for a 5-year membership is works out to just under $80 per year or $40 per exchanged week for the two weeks per year you would have with the WPN 4 BR LO exchanged as two 2 BR units. The exchange fee is $209 per week. So the cost for an exchange week using WPN in Interval would be $450 + $40 + $209 = $699.
In addition to exchanging your weeks with Interval, you can use their Getaways to stay in a resort without an exchange. Right now there are 2 BR weeks in the Marriotts in Orlando going for $697. My take is that this is highly influenced by the COVID situation, so I wouldn't count on being able to get those next year or the year after. Similarly, you would periodically get an Accommodation Certificate added to your account by Interval that allows you to exchange into a resort (with some restrictions on what resorts and what unit sizes are available) for the cost of an exchange fee without an underlying week - as a TUG member you can see what is posted as being available to other members using these in the sightings forum (see, e.g.,
https://tugbbs.com/forums/threads/the-2020-random-good-stuff-ac-thread-for-ii.299660/). Lots of Marriott 2 BRs in Orlando available right now for an AC I have in my II account, but again that is very likely due to the COVID situation and I wouldn't necessarily count on that sort of availability in future years. You could go through the older random good stuff ac threads to see what there was last year in a non-COVID situation to see what is more typically available. Orlando has lots of TS, so there is typically something available there.
Also, if you wanted to use RCI as well to improve your flexibility, WPN and CWQ are Vacation Village resorts and VV typically provides an Extra Vacation certificate good for short term availability in some resorts for the RCI exchange fee ($239). If you wind up with the week you're looking at and get an RCI account and don't see the certificate there, you might check with a fellow TUGger that owns VV to get the code and phone number for RCI to activate one. Using one I have, I can see August 2020 2 BR availability at VV Parkway, Villas at Summer Bay by Exploria, Orbit One Vacation Villas, High Point World Resort, and Driftwood Worldgate. No idea how good those resorts are (VV Parkway is RCI gold crown; the next three are silver crown), but that would be another 2 BR week for $239 plus the cost of a year's RCI membership (currently $99 per year - see
https://www.rci.com/static/docs/namer/en_US/rci-weeks-disclosure-guide.pdf).
Finally, it's worth considering whether you already have access to the extra vacation types of things without ownership. If you're a veteran or related to one, you can get inexpensive TS rentals through Wyndham's Armed Forces Vacation Club without owning a TS. Here's what's available there in August 2020 for 2 BR weeks:
Find military vacation deals at Armed Forces Vacation Club. We have MWR vacations and packages with discount hotels and resorts.
www.afvclub.com