We bought at the Westin Mission Hills from the Westin 23 years ago. With kids sports, etc. we've tremendously underutilized our ownership. Now, I'm planning o retiring next year, we are in our 70's and have never travelled much, would like to do so now. Thought this might be a good pathway. But we are concerned about falling into the same issues with availability, strict rules and ever increasing maintenance fees. Thoughts?
Are you paying the Abound dues? Those would have been first billed to you for use year 2023. If you have been paying the Abound dues, then you are already able to access the program. Your Westin ownership is able to be used to elect Club Points, and then it is those points you utilize to book the MVC properties via Abound. Your dashboard will tell you how many Club Points your existing ownership is valued at.
Since the sales pitch is that you must get to 4000 Club Points (which is a lie), I'm guessing that your ownership elects under 4000 Club Points, meaning it is the lowest tier which happens to be named the "owner" level. There are 5 levels: owner, select, executive, presidential, chairman. Look on your dashboard for the benefits of the various levels. Every level can book any available MVC Trust inventory, the issue is that the entry level tier aka owner level has different booking rights in the Abound program for booking MVC properties. Your booking rights at where you own have not changed. Your VSN usage, should you desire to use your StarOptions, has not changed.
If you purchase resale MVC Trust Points, once the activation fee is paid ($3/pt, min $3k) those points work just like the ones you can purchase from the developer. The only difference with buying from the developer is you'll be offered incentives. Extra BonVoy points, or Bonus Points (one time usage valid for 2 years). You may also even be offered a credit of what you paid for your Mission Hills ownership all those years ago applied to the purchase price of a certain quantity of MVC Trust Points.
I'm not sure what availability issues you are referring to, especially if you have only used your Mission Hills ownership for the past 23 years. As to ever increasing MFs, well, it costs more for the properties to operate. Insurance, utilities, staffing, benefits, etc., plus properties are aging and need repairs, replacements, refurbishing, etc. The resorts are well maintained, but the older they get that costs more money. It's probably time to look at roof replacements at those properties reaching 30 years of age, and while capital replacements will be paid out of reserves, that means the reserves will need to be replenished, so the contributions will not decrease, they'll just be applied to different reserve accounts. Anyway, if you buy more timeshares, your MFs will obviously increase, and keep in mind that the MVC Trust pays the same MFs as any owner for the locations where it owns. So, owning Trust Points isn't going to "save" you MFs. It is just that the MFs billed to MVC Trust Point owners is a factor of the different locations owned by the Trust, and some locations have higher MFs than other locations, so it is basically an average.
I'd suggest that prior to buying more timeshares, you decide where it is you want to travel now that you are retiring. You may find that where you want to go isn't where the timeshares are located, so you'll just be frustrated. Don't buy MVC Trust Points with the thought that you'll use the points to book a cruise or exchange for BonVoy points and stay at hotels around the world. That is the most expensive way to use MVC Trust Points, because your MF on those points is greater than the cost to book the cruise directly or to buy BonVoy points from Marriott International directly. If you decide you want to travel to locations where the timeshares are plentiful, like Florida or Hawaii, then consider buying a resale week at that venue, if you hope to go there each year. It'll be a lot cheaper than buying MVC Trust Points.