Unless I misunderstand your post, you are asking about making an RCI trade using Wyndham points. If that is correct, there are a couple things to clarify. First, when depositing Wyndham points to RCI it makes NO difference where your home resort is because you are just depositing points - they are not specific to your resort. Second, the Wyndham points cost for RCI trades is based on a grid. Seems like everything Disney will be "red" to RCI, so to exchange for a 3 bedroom, you would need to deposit 308,000 Wyndham points to RCI. However, I don't recall ever seeing 3 bedroom Disney units available in RCI, so I'm not sure 3 bedrooms get deposited much for Disney.