Marty, maybe you can clarify this for us too. We are also new owners, Woodstone (but keeping an eye still on Summit!).
2 weeks ago we received an owners Newsletters 'Carved in Stone' and a form advising that if we want now we can deposit our week(s) directly with the Massanutten Resort, instead of RCI.
I know this is new, would that be better for us owners? I wouldn't mind dealing directly with Resort, if that ensures me to split my Unit and get a good week. RCI is a headache!
They told us we can reserve, after paying our fees, up to 2 years in advance.
As owners (we just got our ID's 2 weeks ago), we get a discount on Water Park, also Hotel is supposedly to be 1/2 price for owners (anybody has done this before?), Golf, but do not remember anything else.
The $99 card is good is you are going to play Golf a lot! We took some of the courses and one trip to a Vineyard and still it did not justify for us to buy the Card. Now, we don't have small children (a teenager who went kayaking and rafting) so maybe adding up the activities for your family, you can find out if it is worth for you. But, don't forget that some classes are at the Ski Lodge and some down the mountain. You don't want to stress yourself too much during a vacation, and with only one car!
Go to their website, look for the activities, print them, print also the one with prices and work a schedule, suitable for your family. The total amount will tell you if it pays for you to buy the Activity Card. Have fun!