It's a smaller contract. That's okay. It depends what you want to do with it? Travel in non peak times, a few nights in prime season? With 105K you could get a nice 1 bedroom for a week at Disney or go to Mexico in a 1 or 2 bedroom? There are many choices with RCI and Wyndham.
You can credit pool future use year points to go somewhere that requires more points.
Wyndham National Harbor has one of the lowest maintenance fees around.
Look at the Club Wyndham Plus Member's directory and decide if the point charts work for where you want to go?
Cynthia T.