Welcome to TUG! I am a WM owner with 6,000 annual credits and love my WM!
You can actually access credits/points information on the WM website without being an owner. You can see all the resorts and click on "Credits Chart"
I took a quick look and I don't think you can book a 2 bd anywhere for an entire week during red (highest demand) season (this is a quick look through, there might be some!), but you can book 4 nights (Thu - Sunday) in a 2 bedroom during red season at all of the following west coast resorts...
Birch Bay (Washington)
Discovery Bay (Washington)
Lake Chelan Shore (Washington)
Surfside Inn (Washington)
Eagle Crest (Oregon)
Running Y (Oregon)
Depoe Bay (Oregon)
Schooner Landing (Oregon)
Windsor Wine Coutnry! (California)
Bass Lake -- this place is awesome (California)
Marina Dunes -- super hard to book though (California)
Clear Lake (California)
Angels Camp (California)
Palm Springs (California)
Dolphins Cove in Anaheim near Disney (California)
Lake Tahoe (Nevada but on the South Side)
South Shore in Tahoe (Nevada but on the South Side)
etc etc etc...
Check out the worldmark website and see for yourself
If you end up passing on this 7k annual membership, may I please have your lady's contact info? My sis wants to join the club and I would tell her to consider this for sure!