Sorry ... but 84K in points will not get you much (esp for a family of 5 persons). And that represents about $540-600 yearly in maintenance fees.
Are these Club Wyndham Access or Club Wyndham Plus points? If CWP, which resort are the points deeded at (Home Resort)? Learning this will HELP you in your future vacation planning.
For LIGHT reading with the required highlighter ... start reading from front to back, the Member Directory. I call it the pretty picture book of Wyndhan Vacation Resorts with all the detail about HOW MANY POINTS vacation stays will cost per unit size and season of the year. These are your RULES ... you would tell any student to READ TEXT BOOK. You have or are paying your tuition and maintenance fees ... just like a college student. And you would DEMAND any college student to go to class (TUG), read their text books (the Member Directory) and pay their (loan & MFs) bills ... all to gain the benefit of decent family vacations.
PS I recommend you read that Member Directory 3 times ... each with a different color highlighter. Wyndham hired English majors or technical writers ... every term means something different. The first time thru, you will say to yourself .. "Oh, ABC is like MNOP". The last time thru, you will be correcting yourself with ABC means THIS and MNOP means something different.