We have RCI weeks membership until 2018, thru the now-defunct membership add-ons that used to be available when buying a South Africa timeshare, so I don't have to think too hard about whether to continue, at the moment.
Mostly I'm still happy enough with the variety of choices at RCI... though there are such obviously huge numbers of member spacebank deposits going into rentals, and correspondingly less availability for trades, that if the trend continues, perhaps there won't be much left to exchange into by 2018!
I do get very irritated and frustrated at times when I'm searching for something with a good trader - nada comes up, but Extra Vacations is full of stuff. Sometimes I ask a VG whether I can have something off that list for an exchange, and get told No - even when the rental charge is under $600.
In comparing RCI with the independents, there's still no question that RCI currently still has about 100 times more choices for a given date than the indies. Being able to travel off-season or shoulder season helps somewhat - yet even that inventory is being siphoned off into rentals at RCI.
The indies are so much better w/customer service and personal contact. We've used DAE a couple of times, and the ability to communicate back and forth by phone or email with one specific human has been very nice.
So at this point I can't yet imagine being able to fill all our travel desires with just the indies - but if thousands more folks deposit with them, and RCI rents out more and more deposits, by 2018 it could happen!