I bought my first smallish wyndham deed 15 years ago---the resale market was a little more expensive then than it is now but not much. I've added a few extra converted Hawaii weeks---during COVID Wyndham offered to convert weeks for free---and now have almost 840K points.
We've stayed in a number of Wyndham resorts: Bonnet Creek, Smoky Mountain, Old Town Alexandria (VA), Wisconsin Tamarack, Kauai Beach Villas, and Belle Maison (NOLA). All have been great. We originally bought for Bonnet Creek and have since stayed at WBC along with several different DVC resorts many times. Bonnet is a fantastic alternative to DVC, and the vacation experience is comparable to a stay at SSR or OKW with some things I like better at one, others at the other. But, it's significantly less expensive to buy and to own. You can buy a Club Wyndham Access deed large enough for a prime week at WBC resale, for $2K or less. The annual cost for that 2BR week in fees would be about $1,600. That's barely enough for a single Value room in peak seasons at WDW. The annual dues on a 2BR at SSR would be $2,125, and you'd have to shell out close to $30K to buy it, minimum.
Better still, the CWA deed has higher annual expenses than some other deeds you can find if you are patient. My average cost for that week is more like $1250. Try to find a Value WDW room---even at a discount---during Spring Break season for that.
I've found the system easy to use and there needn't be extra costs, especially if you use it the way it was designed: booking vacations for yourself, planned in advance, staying for most or all of a week at a time.
