One very important thing to remember is that your maintenance fees determine the cost of every reservation you will ever have.
Look at the top of the Wyndham forum for the maintenance fee chart. There's resorts with considerably lower maintenance fees. These figures are before the program fee.
Club Wyndham Access- $8.13
Bonnet Creek - $7.73
Canterbury - $4.36
Bali Hai - $4.96
South Shore - $5.05
National Harbor - $5.06
Panama City Beach - $5.68
Midtown 45 - $5.57
Oceanside Pier - $5.62
Grand Desert Towerz 1 & 2- $6.04
Tower 3 is usually 7-10 cents more
Ocean Boulevard Tower 3 - $6.23
Some Smoky Mountains - $6.68
There are no current figures for these next two but afaik they're in the lower middle range.
Desert Blue
Atlanta
To put it in perspective these are the costs after adding a $0.73 resale program fee if you own at least 258,000 points and book a prime season week at Bonnet Creek in a two bedroom unit for 224,000 points. I'm using National Harbor, Panama City Beach, and Grand Desert as I often see points at these resorts being sold on eBay.
CWA - $1984.64
Bonnet Creek - $1895.04
National Harbor - $1296.96
Panama City Beach - $1435.84
Grand Desert Towers 1 & 2 - $1516.48
That's anywhere from approximately $400-$600 more for a single reservation. Here's additional perspective. We do own some high maintenance fee CWA points but not a large amount. Our 2025 maintenance fees with the program fee are $6.48. That $400-$600 savings on a single reservation is enough to pay our maintenance fees on approximately 62,000-93,000 points. There are resorts that I can book an entire week at for that many points. For instance, there are 17 value season weeks at Bonnet Creek when a one bedroom deluxe is 84,000 points.
If you don't need Thanksgiving, Christmas, Easter/spring break weeks at Bonnet Creek in 3 or 4 bedroom unit, then there really isn't a need to own there. Or own CWA points. At 10 months most owners have no problem finding 1 and 2 bedroom units at Bonnet Creek at the high demand times. Sometimes even a 3 bedroom unit. We like to say at 10 months points are points. Meaning it doesn't matter where you own so owning somewhere with low or lower maintenance fees makes the most sense.