Can someone point me to an RCI exchange 101? I own DVC so have access, but I have no idea what 98k points would get me, how to use them, etc. thanks!
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What those points will get you depends on how far out you need to book your stays and how adventurous you are about trying different resorts.
We had a really slow year this year because of Covid so didn't use as many points as we typically use. We're able to make good use of the discounted point weeks that can be found 1-5 weeks before the check in date. Our only non discounted point stay was at AKL.
For 2020
9000 points for a week in January at Caloosa Cove in Islamorada, FL in 1 bedroom/2 bath unit that sleeps 6.
71,000 points for a week in February/March at Disney's Animal Kingdom Lodge in a 1 bedroom/2 bath savanna view unit that sleeps 5.
23,500 points for the following week in March at Disney's Saratoga Springs Resort in a one bedroom.
4900 points for a week in June at Vacation Village at Parkway in a 2 bedroom lock off unit.
7500 points for the following week in June at the Houses at Summer Bay in a 3 bedroom/3 bath house with its own pool.
115,900 points
Free Vacation Village Extra Weeks
Grandview at Las Vegas in a one bedroom in October.
Reunion in a 3/bedroom/3 bath also in October.
So 7 weeks with an approximate exchange fee of $239 each = $1673 + $835 maintenance fee + $124 RCI membership dues = $2632 divided by 7 weeks = $376 per week
We pay our RCI membership dues for the maximum number of years so actually paid less than $124. However I used that single year fee to make it less confusing.
I didn't add in the $190 fee you pay the Disney resorts when you have an RCI reservation.