Hopefuly you can get an honest person at Wyndham to help you. As you have figured out already, you do not need to purchase any more points to combine things.
My best guess - leave your daughter's account as is - you'll automatically be on it if you add her to your deed and then add your deed to her account.
Ideally Certified Exit (some branch of that benefit) will "transfer" you and your husband's deed to you and your daughter. Having her name on your deed would allow her to add it (and you) to her account. That would join the accounts - all developer (which means nothing as far VIP level) but should simplify combining/sharing use of the points for both of you (seems that's the goal). That should give your 154K the silver VIP benefits (as others have said, they remain developer points).
A downside to Certified Exit, IMO, is that it freezes your account during the process. But it should only freeze yours. After they get your deed in you and your daughters name, you can add it to your daughter's account (so no freeze period on her account). (So time doing things after you've used your points for the year or point deposit forward, you can't have any reservations during the process).
Your end result should be one account (your daughter's) with her deed (her name) and your deed (her name and yours). All points treated as VIP silver, both of you can use all points.
I can see one downside - today your daughter gets 5 guest confirmations and you get 2 - the combined account will get a total of 5. So you'll go down to only 5 total (you'll also lose 2 guest allowances as you both get 2 today (guest confirmations allowed during owner priority when owner not present). This would not stop me from combining it all - but be aware.
