Get your RCI Points at the best price you can with the most important cost factors being:
annual MF / annual RCI Points = annual cost per point. (less than 1 cent preferred, but with increasing MF costs they are getting harder to find and more expensive to acquire).
Typically, he lower the (annual cost per point) the more expensive the purchase price, which is the next cost factor:
acquisition cost / annual RCI Points = acquisition cost per point (I consider all one time costs... price, closing, transfer fees, account setup).
Since timeshares vary between Annual usage, Every Odd Year (EOY), Every Even Year (EEY), and every third year (triannial); it's important to annualize the costs before doing the ratios for comparative purposes.
While POINTS are POINTS (meaning they spend the same no matter where you get them from), since future costs in the form of increasing MF's and possible special assessments will influence the most important factor (annual cost per point), it follows that solid proven management should be a consideration when deciding which resort you want to own.
Once you've determined the number of annual RCI Points required for your vacation needs, apply the above and go find your BEST DEAL.