When do you vacation? How often will you go to your home resort? If it is 2 out of 3 or 4 years then buy where you want to go. Think down the road when the kids are out of the house; how will you vacation then? Will you ever want to be in a smaller than 2 bedroom villa?
If it is the summer months, the desert is awfully hot then! While Villas I doesn't lock off, it is closer to the hotel, it is the largest of all the villas (over 1600 sq. ft!) and has a VERY high trading value if you own in the platinum season.
Newport Coast Villas as you know does not lock off, but the gold season trades very well, the platinum season has gotten pricey and 80% of the platinum owners want 20% of the time June, July, August and it can be a problem booking one of those weeks. Many owners there own multiple weeks so they can book 13 months in advance. The property is beautiful though!
The California resorts do not have property taxes included in the Main. Fees, so if you total them up their M.F.'s aren't cheap.
Of all the resorts, Hawaii has the highest M.F's because it is so expensive to maintain property in Hawaii and they require more maintenance. It also includes more housekeeping and property taxes. Right now the airfare to Hawaii is killing tourism there. The prices more than doubled when the gas went so high. Will this change your travel plans?
One of you other options is to buy what is called a 50/50. You actually own an every other year at two different resorts. For Example Even Year Plat Desert Villas I, Odd Year Newport Coast, or Even Year Maui Odd Year NCV. That would solve your dilemma!
Yes, Newport has plans to add a restaurant when the sales center is gone - well, it will never be gone, but they will shrink it down when they get sold out. They will be adding a much larger spa as well.
Yes, you can book in the 13 month window if you own two separate resorts as long as you are booking the weeks concurrent or consecutive. Doesn't mean you have to use them, but you have to book them that way. So, if you want a summer week in Newport, then you have to own a summer week in the Desert or own in Hawaii when it is platinum all year.
It depends on your budget, but the 50/50 may be the way to go for you. Hawaii isn't easy to trade into especially Maui during June July and August. (Doesn't mean it can't be done but you just have to be patient)