Just a thought or on this...
Maintenance fee's with HGVC are determined by the size of the unit...NOT how many points you are getting.
The number of points you are getting is determined by the SEASON of the week you are buying. 3,400 points I belive is a gold season 1 bdrm, and you've stated you are getting every-other-year (EOY) to help with the maintenance fee's.
If you can, check and see what platinum 1 bdrm goes for. It may be they don't sell platinum as an EOY, but if they do you'll get 4800 points and the maintenance fee's will be exactly the same as what you are buying.
One other thing, as much as we love timeshares here on TUG, they are a luxury purchase. I have an EOY in Hawaii to keep costs down, both in travel and MF's. That said, you seem to be in a hurry to get into HGVC and you may want to simply step back from all of this for awhile, get educated and see what really works for you. In the meantime you can sample systems and rent weeks for much, much less than this purchase will run you...in some cases less than an annual MF will cost.
It's important to be able to have money left over to actually vacation. The timeshare, any timeshare is just a place to stay. You still have the other remaining vacation expenses to account for and if things are tight right now, a TS, even at resale pricing may not be for you right now. Timeshares are easy to buy, but difficult to sell.
Something to consider.