I just want to give the other perspective - II is much harder to find an exchange and much more opaque about what you'd get. I think everyone who touts the "nicer resorts" both knows which resorts to avoid in II (because some are really really bad like Villa Roma), and either are exchanging with a Marriott Trader or better. I got 2 "good traders" with good weeks, and yet for most of the sightings that are "nicer resorts" - so are just sitting there - they don't show up at all for me. So I wouldn't expect any non-Marriott to see them.
RCI on the other hand - while I don't know that it's great to exchange given the higher exchange fee and prevalent resort fees (though I'm starting to hear reports of those in more II resorts too) -it's straightforward what points or TPU you get in RCI so you'll know what might/could match (Granted I just have corporate accounts, but it's right there on the listings what the points would be). And you have access to just way more resorts and availability. Are they all top tier? No. But if you want to have a lot more luck finding a resort near a random other thing, RCI is hands down better IME. Their filters are also a lot better and easier to use when searching for cash stays too. I think, though I don't know, with a individual RCI account you get either points or TPUs and so don't have to do a whole week for a week too - I think you can pick up various on sale weeks for sometimes tiny TPUs also.
I've had many great stays at average resorts via RCI, including so far mostly enjoying my current stay at Jackson Gore Inn in Vermont.
I used to exchange into Hiltons near Disney with RCI and loved those opportunities. Now Hilton charges $25 per day X 7 days, $175 + $299 exchange fee. And RCI's insurance doesn't give me back the $299 and costs a lot to add to the exchange. Retrade with II is $89 and it works better than RCI's insurance. I can trade up to 3 times in a year from the date on the exchange. So an exchange I have for 5/22/2026, I have until 5/22/2027 to use that week. I always use my weeks. I sometimes move them a bit more than I should but I do use every one.
I haven't exchanged into a bad II or RCI resort in many years.
Comparison of Hilton exchange through RCI vs. Marriott exchange through II:
If I can get a week in a 2 bedroom for
20 TPU's, that would make that same week cost me (with my Val Chatelle TPU's at $47 per) $940 + $299 + $175.
Total of $1,414. If I get a bargain, last-minute week at 10 TPU's (I never plan last-minute), it's going to take $470 off of that total, but that has not happened yet.
A December date I was thinking of grabbing at Hilton Tuscany is 43 TPU's, 12/5-12/12. Total cost is insane. But a November week 11/14-11/21 is only 7 TPU's. Why the difference? That November week is a bargain, absolutely. That would be the one to grab, and I would grab it, but it's not the Sunday, and I did get a DVC already for that date. December is not busier than the 3rd week of November. I don't get it.
With my Grand Palms I could do better than that for cost, but I still resent paying the $25 fee.. TPU's are $22.28 per for 2025 for Grand Palms ($1248 and 56 TPUs). I sold Grand Palms, owned five at one time. Yes, five. Believe it or not, those were very hard to sell took 4 years of advertising. Sold the last one to the same lady who bought one two years before.
I picked a week in November for my RCI Points at Tuscany, 70,500 RCI Points. I pay .011 per point for my points with Mansfield Resort.
$775 + $299 exchange fee + $175. $1,249. Not cheap but not bad. I would pay it sometime and probably will to use exchange power. Not cheaper with Wyndham at $7 per 1,000 points X 165.
I can exchange into the Marriott resorts in Orlando, Marriott-Marriott, studio to 2 bedroom, almost anytime I want a week, maybe not a New Year's week, $199 exchange fee + $118 (unit size upgrade). I consider the studios to be 1/3 of the cost in MF's, but I have no proof of that, I don't own a studio, but my Sheraton small one bedroom is $579 of the $1633 MF's, which is 35%. That is not too far off from a guess as to the value of a studio. Of a $1760 MF, my studio is $616 + $49.50 lockoff fee ($99 to lockoff a 2 bed to two units).
$616 + $199 + $118 + $49.50= $982.50
The reason I always liked Foxrun is $995 (2025) maintenance fee + exchange fee of $229 to get a 2 bedroom Marriott in Orlando or Disney resort. That's still less than RCI, so I keep it. I even have a low TDI week, week 52. I am always happy to get a Disney with those.