RCI points is a pretty good system.
We own ten timeshare weeks, two Australia RCI Points weeks and four that we have used for PFD. We also own two in Hawaii that we never exchange and have actually had great success renting via redweek for a profit over MF's. We also have two great weeks that trade with II.
We have only owned points for about four months, but the availability is there when weeks availability is not. We are also staying an extra few days at a GC resort in Orlando with just 12K points (RCI gave us 15K points for our first transaction, so we consider this free), $49 trade fee and a $20 housekeeping fee, which makes those two days pretty cheap for us. So Points are a good option for nightly stays.
The problem (that we noticed already) is that our mountain weeks we are using for PFD are pretty valuable as weeks, so we have historically gotten every trade we wanted. This particular resort is just an awesome trader. But when we check points for weeks in Hawaii, we have to use two weeks worth of points to get a great trade, the same kinds of trades that we always got with a single week. So we are probably not going to use PFD unless we need to for a last minute week. But those are not as common as the salespeople would like to make you think, plus you have to pay the $149 trade fee with the points, so Last Call is a better deal, anyway.
With a good trader, you can do better than RCI points. I would go with something that trades with II because points are going to make RCI a difficult company to deal with as a weeks owner. Worldmark sounds like a great option and the MF's are very low. You can get to Hawaii with a small investment in WM.
Hilton is another that you might consider. Orlando HGVC resales are a bargain and their system will get you anywhere you want to go. I would buy Hilton if I was starting out with my first purchase.