PerryM will probably chime in that 6000 is definitely enough since you can rent unlimited points from other owners for just a bit more than the permanent credits would cost you in annual MF's. However, renting credits from other owners is something you have to arrange on your own, with the other owner, so some people simply purchase extra permanent credits to avoid the hassle.
There are credit rental forums on
www.wmowners.com/forum and the Trendwest-run WorldMark forum at
www.worldmarktheclub.com. The credit rental section in the latter is only open to WorldMark owners and prices may only be discussed in private. Both forums also offer a lot of information specific to WorldMark although the Trendwest forum has mostly resort-specific info whereas wmowners.com has more info on tips & tricks to maximizing usage. I'm sure others will follow this reply with their own opinions on the two forums.
TUG also has a "Wyndham resorts" section further down, just above the TUG Lounge, where there is some discussion on WorldMark the Club, although it is not owned by the new Cendant spinoff, Wyndham Vacation Ownership, but is managed by and resorts are developed by/new accounts sold by Wyndham-owned Trendwest Resorts, Inc.
Bonus Time is available within 14-days of check-in, for owner usage, and 5-days for guest usage, currently for 4.2cents/credit, with some restrictions on weekend usage. There are also Inventory Specials available at under-booked/off-season resorts that vary month-to-month and can be booked up to 60 days out for the same rate as Bonus Time.
I've never stayed at a Fairfield or Marriott but many people have suggested that WorldMark resorts are not on par with those in quality. Personally, I'm happy with most of the resorts I've visited and as long as I have a comfortable place to stay with a good pool I'm usually happy. Fancy furniture, fancy kitchens, fancy whatever doesn't particularly add to my vacation experience although everyone's different.
There's an "Owner Education Handbook" which includes Club Guidelines that is available here:
http://www.worldmarktheclub.com/education/pdfs/OwnerEdHandbook2005.pdf
which will help answer many questions about booking guidelines, etc.
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