If you only need 1 reservation a year, just find a 5k account for $569/year. It comes with 1 housekeeping token a year; any extra stays, you will have to pay for a cleaning. Credits usually rent out for $65 per thousand, so a 10,000 credit reservation will cost you $895 in combination with renting 5k and owning 5k. A 12,000 credit rental will cost $1025 by owning 5k and renting 7k. MF are $1087 for 12,000 credits and still only gives you 1 HK token. That's why I suggest owning 5k and renting whatever you need extra.
If you plan on staying on average at least 2 weeks a year using WM, then 20,000 credits makes the most sense because you only get 1 housekeeping token per ten thousand. 3 Weeks would be 30,000 credits. If you want only 1 week a year but don't want to have to rely on renting credits off others, you can get a 10,000 credit acount for $915 a year. The reason why renting credits is something that you can easily do with WM is because MF are calculated in a way where the more you own, the less you pay per thousand. A lot of people will own huge accounts and rent out what they don't need.
You can also use their inventory special and bonus time inventory for $72 per thousand plus tax. That includes housekeeping. It's good for short stays because then you don't have to waste a housekeeping token. I want my WM account to get bonus time at Reunion. It's the nicest Wyndham in Orlando and only has 3 bedroom units, so every time I want to stay I have to use up 140 housekeeping credit.
Any time you do an owner update, you can argue that with a dual resale ownership, you get 100% access to both clubs as well as Interval Invernational. All the good WM units are next to impossible to book with club pass at 9 months because owners have them reserved 13 months out. WM also has waitlisting where a WM owner will get the unit before someone can book it with club pass because as soon as the person who has it reserved cancels, the waitlist person scoops it up. Club Pass is pretty useless and charges a $99 booking fee. No matter what your VIP status is, you can't get access to WM at the 13 month window when the good units book and you can't get access to Marriott through II. If that's what you care about, a retail purchase is pointless. That argument always gets me gifted with an AMEX within 10 minutes of the video presentation being over. Either that or I say "I'm planning on getting two 3 bedroom PICs and using Telesales to get VIP gold for a 200,000 point purchase at $134 per thousand", then ask if they have anything cheaper for permanent VIP Gold. Since they can't offer you anything cheaper, they usually just try to push a basic package on you, then you say you're not willing to pay more than Telesales prices at $134 per thousand. I keep the Telesales number in my phone and say the person I spoke with when I called this number quoted me $134 a few months ago.
