Consider one or two things:
1) What do you want out of this? Did you go to the facility, like it, and decide that's what you want every year? If you liked the 2bd, realize that most of the year is Platinum, not gold (even in FL), and you really need a platinum (or 7,000 points). If it's only a matter of size of a unit once per year, get 7,000 points resale. Someone was just posting here the other day agonizing over spending about $11,000 for 7,000 points, which is far better than you're getting (and the Maintenance fees are probably roughly the same, even less, because his was in Vegas).
2) What are you willing to pay? If you can afford $20k (which, from talk about financing, refinancing and paying payments, it doesn't sound liike you can), then plunk down that $20k for something like 8400 points at one of the new Hawaiian properties (although $20k may not be enough for that, it probably should be). That gives you prime points and great priority on getting into Hawaii (assuming that matters to you).
My guess is that you really can't afford what they're talking about, and you're thinking about stretching because you were wowed by them during a visit. Good news is that you didn't buy, but you really need to do some research. This is not a race, things are only getting better for buyers on the resale market - what with the economy slowing, credit tightening up, and cash being a premium.
I spent 6 months lurking on this and other boards before finally deciding what to buy resale. You should spend that long. Read the stickys (that's the discussion threads that are full of general details about each different issue that will bring you up to date on the basics), then follow the discussions, and finally post a few questions that are more complex, and soon you'll become
an expert on this stuff before you ever make your first purchase.
Remember, there's no race here. Dedicate a couple of months just to reading and absorbing all of this, then you'll feel happier about parting with your hard-earned money.
Oh, and join TUG, becoming a full-fledged member. It's really cheap (it's already saved you a bundle of cash), really worthwhile, and it contributes to all that we're learning here. The more the merrier.