My example below is for where I stay most often in Florida ... Pompano Beach. School vacation time is almost always PRIME season at Wyndham resorts.
Most Wyndham sales persons ONLY sell their product and ALL will lie up one side and down the other, about benefits and vacations THEY have taken and what you are getting in value.
154K will NOT get you 3 weeks unless in a studio at the worst time of the year and in the oldest Wyndham resorts. A 154K will get you a STUDIO for 1 week in most of their resorts EXCEPT NYC ... but maybe in PRIME season studio in SOME of the resorts.
If your goal is to stay onsite in Disney properties, BUY DVC (Disney Vacation Club) points. You could have exchanged several years ago ..but today, it is way harder and usually, in the slowest (lowest value) seasons...with ongoing searches.
In the older Wyndham resorts, 154K would get you a PRIME week in a 1bdr. In the newest resort, a studio in the non-prime seasons.
If you are looking for prime seasons, 1bdr unit and 3 weeks total stays, 616K would get you that .. if you spread your vacations over several resorts types and booking seasons.
I book several weeks with Wyndham in Snowbird season in Pompano Beach (South Florida) in the winter. Yes, there are 140K 1bdr units (420K for 3 weeks), but those units are the cheapest 1bdr units and my luck in getting those, should have been used on the one-arm bandits machines in Vegas. The 154K 1/1 units get book very quickly also. Studios units get booked fast for people planning to stay multiple weeks .. right after the 1bdr units. But plan to book 1 week stays in the 2/2 units ... and figure 231K per week (693K in points) ... and if you are lucky, extra points can be used later in the year for other vacations stays.
And MFs for that level of point ownership at those resorts for those weeks' stays, about $4400-4700 per 2017 MFs ... and MFs go up each year (does not include an RT fees .. will likely be okay on HK fees).