How easy is it to use your points to stay at a HGVC club where and when you choose? From reading the site - it seems it can be difficult to trade through RCI - but I have not read anything related to using the points for the HGVC club properties. Say I have 5000 points and it's November 2006. I want to vacation in Hawaii at the end of May or early June 2007 on the Big Island and stay at the HGCV property. Have you found that they are booked and you can't use the points there?