Hi Weare
We own at HGVC and have family that owns at Westgate. The Orlando HGVC locations are very nice! The Westgate properties are OK, but the aggressive nature and quantity of sales people is a big turn off for many!
Westgate can be purchased fairly economically on the resale market, where as a HGVC resale week will be more money.
Other things to consider are...
HGVC points can be used for as few as 3 night stays per reservation. You may be able to get multiple 3-4 night stays for your annual points alotment. Also, depending on season and size pof ownership, you may also be able to get multiple weeks. See some examples
here and
here. HGVC is totally flexible!
Westgate you may be able to buy a lock-out unit, giving you two weeks usage (1BR week + Studio week) from of one week ownership. I am not 100% sure if Westgate allows you to spit your week?
Finally, if you ever choose to use your TS, what would you rather have access to... HGVC and their locations or WG and their locations. Both can be space banked into RCI and SFX, and WG I think can also be banked into II.
I hope this helps!