If you’ve owned for 20 years, then you don’t own StarOptions, you own week(s) which have a StarOptions value at 8 months from checki…. unless you traded in what you bought 20 years ago for Westin Flex or Sheraton Flex. Even in that case, you don’t “own StarOptions” as they aren’t a currency that has ever been sold.
So there’s no single formula that can tell you how many Club Points your ownership is worth, because every type of VOI has a different club point value depending on which resort, which season, and which type of unit.
Your Vistana dashboard has a link you can click to see “What I own” which will give you the club points value of each of your ownerships.
Electing Club Points is an annual choice you make for each of your ownership interests. You have to choose each year for each ownership if you want to elect club points. Speaking generally, you will usually get better value at Vistana resorts by staying in VSN and reserving with StarOptions (assuming that you don’t want to use your home resort.) But every situation is different and it pays to check the cost of a desired reservation both in SOs and in CPs and see which system is more advantageous to use for that reservation. Of course, if you want to book a Marriott-branded property, your only option is with Club Points (or through Interval.)
The need to elect Club Points in the previous year means that planning ahead is even more important than it was in the past.
Hope this helps. As others have suggested, you may get more info by posting in the Vistana forum.