Aren't all people that use DEX an owner at either HGVC, Embarc or a DIR property?
No, there are resorts listed in the exchange system which are non-HGV properties. I would assume (but certainly don't know until someone exchanges into a non-HGV property and reports back) that fees will apply to those cases.
Let's think about this exchange system. Additional resort fees hurt the exchange system causing fewer people to exchange. This DEX exchange system is a former Diamond product (now HGV but all of the documentation still states Diamond). DEX charges fees to use the exchange system. If the HGV resorts also charge resort fees then it would be like double-charging fees. RCI is a Wyndham exchange system so the exchange system and the HGV resorts are in different systems.
We can also look at the math if I would use this system if resort fees are charged:
3BR Craig MFs deposited into DEX*: $1355.61 (£1061.54 using the exchange rate or 1.2769 $/£)
DEX exchange fee: $210.07 (£165 using the exchange rate or 1.2769 $/£)
Total cost: $1566.29
Now, would I use this system if there were additional resort fees of $40-$70/day? That would add $280-$490 to the exchange. Probably NOT.
My DEX deposit is a tier 6 so I can use it for any exchange w/o any tier upgrade fee. There is also an exchange cancellation fee of £155.
btw, one must also look at the math when using RCI. For HGVC owners, sometimes this works because we are charged fewer pts for our exchange.
*There are better DEX deposits such as 2BR Craig summer weeks but this is what I have to work with.