While Alan makes a great point - I tend to disagree somewhat when it comes to owning our SVO (Westin) VOIs - I just wrote in another thread that is probably more appropriate here...
How we make owning 5 1/2 SVO TSs work for us...
{because we are Westin 'Eliteists'... lol}
WKV 1Bd Prem/Plat (x2) - 81K SOs - Resale: Stay (great resort), Rent (covers MFs plus - 2x now), Exchange (low MFs)
WKORV OF Dlx 1Bd - 81K SOs - Resale: Stay only (paid premium, high MFs, unique TS, great resort)
WKORV OF Dlx Studio - 67.1K SOs - Resale: Rent (cover MFs - 3x now, unique studio), Stay (extend vacation by a week - unlikely since we can SVN exchange into WKORV), Exchange (unlikely)
WSJ 2Bd/3Ba - 2 weeks - 81K SOs - Resale: Stay and Travel with Friends (most likely - 3x now, great resort), Rent (cover MFs plus), and now exchange with increase in SOs (unlikely)
WPORV 1Bd - 81K SOs (EOY): Stay (most likely) - bought from SVO, but got lots of SPs and some other perks (requal, 3*), Rent? (unlikely), Exchange (nope), convert to SPs (nope)
WPORV studio - 67.1K SOs (EOY): Stay (likely), Travel w/ Friends (likely), Rent? (hard to know at this point), Exchange (nope), convert to SPs (nope)
yes - we did not spend pennies, nickels, or dimes... in fact we spent alot... however, we are very happy - especially when we are at these fabulous resorts - or using the rent money to cover MFs plus.