Well you could trial 1 year and find out.
I inquired to RCI if a points owner could opt for TPU instead (backwards compatibility) and they said yes. Have to let them know before using the points and likely before the one year out auto deposit.
I plan to do this for my 2026 use year because I agree with
@escanoe having both is better than having just points IMO.
I've done multiple scenarios/comparisons and found that its not always better to book with points.
Some properties are points only but weeks tend to have better and more inventory before it's accessible to points owners and still have a vast inventory.
Sometimes using TPU actually comes out better cost than using points especially if not last minute.
Plus the benefits of VV discount exchange combined with free upgrades is a great combination. Getting higher cost TPU stays via upgrade for only 2 or 3 TPUs compared to 8 or 12. I've gotten more upgrades using weeks exchanges, and very few using points.