I view EOY less than 50% of value to me. First, to be equal to annual I have to
cover 2x the transfer, recording, etc fees and taxes.
Second normally if on a point system like HGVC I do not have the flexibility of borrowing points from the next year.
Life is a negotiation so perhaps you will be fortunate to find what you want in a EOY for less than 50%.
Personally, EOY is not enough for me unless perhaps I was adding a door into
Westin while also owing at Marriott or HGVC. For a long time i was limited to only a two-week vacation.
There are some advantages to EOY.
For example, I bought an EOY Even and ODD so I can borrow as needed (so now I have 4800 pts annual). If I get another EOY for 4800 pts, all of a sudden I have annual availability of 7200 pts...
Since buy in cost was less, and membership fee doesn't change, once the initial transfer/enrollment costs are paid, you are good to go.
Alternativly, if one was planning on using open season availability for travel, EOY might be the ticket (for example, 1 week at HGVC in Orlando is probably less than or equal to the MF for that same week).