I'm not sure what you paid for upfront. Did you buy a multiyear Diamond membership? Even if that were the case, I don't see any level listed for $199. I've never paid anything to deposit my weeks with them, but I have paid a membership fee for the Diamond level. Gold level is free.
When they find an exchange for you, then there is an exchange fee. That fee is based on your membership level. There are also fees if you choose to use a bonus week, if you received those with your deposit. And, they have excess inventory called Escapes. The prices of those vary, depending in several factors including your membership level.
I looked at instant exchanges and the rate I see is my exchange fee. I think you are looking at the Resort Escapes page. If you want one of those, you can choose to exchange your week and pay only your exchange fee. But these are extra weeks that are available for rent and if you chose to rent one of those for the fee posted for your membership level, your deposited week is still available for exchange.