I pretty much agree with Dani.
I think a question you should ask yourself if you kept your present ownership to use or rent out how many Yearly RCI Points would you need considering that most Two Bedroom Gold Crown Red week RCI Points Resorts require 60,000 or more RCI Points for a one week stay?
For the Midwest the amount of RCI Points needed to book a genaric weeks (non RCI Point resort) 2 bedroom redtime Gold Crown unit is about 56,000 RCI Points for one week.
Do you know
that 43,000 yearly RCI Points do not go very far in booking the better resort 2 bedroom units in prime or even white time.
Do you need at least 100,000 or 200,000 or 300,000 or even more yearly RCI Points? ( we for example use more than 300,000 RCI Points per year)
There are deals out there for that have on gong yearly costs per RCI Point of .8 of a cent or less.
One of our (2 RCI Point) resorts is in Las Vegas cost us $1,991.including closing costs for 53,500 yearly RCI Points with yearly maintenance fees of $425. The ebay win included an extra 39,000 RCI Points that added a cost $300. other wise the ebay cost would have been only $1,691 without those EXSPENSIVE extra 39,000 RCI Points costing .75 cents per extra RCI Point.
This Las Vegas ownership we will most likely use or rent out to cover the high cost of almost .8 cents per RCI Point and not bank it for the 53,500 yearly RCI Points.
IMHO I would not convert your unit for Points because of the high yearly cost per RCI Point for a small amount of RCI Points that may not meet your overall timeshare needs.
Keep your present unit if you are going to use most years or sell it if you are not going to use it or rent it out most years.
To have the $4,000 you have in this ownership and then add another $2,900 to convert for a total $6,900
for only 43,000 yearly RCI Points with on going high yearly maintenance fees of over one cent per yearly RCI Point
does not make much dollars sense to me.
I am beginning to think like that - what is an acceptable ratio?