For the MF fee question, if not already a member it is best to join
http://forums.WyndhamOwners.org
There there is the MF calculator, play around with that and most questions are answered. If not there is the historical file of MF charges.
My opinion only, the extreme lowest are often still in developer sales and are suspect because of that. Past history has shown that there can be large increases, the NJ place is an example.
Now a word, you have far too many Wyndham points in your profile to be contemplating another purchase given the question.