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No you will ever have to convert to points unless you feel you need to. If you have a FIXED week you are guaranteed that week every year. If its. A FLOATING week all that says is, you and use it any week based on availability. When Fairfield/Wyndham bought RCI they would love you to be on points then they get their property back issuing you a UDI ( undivided interest warrant). You then own rights of usage but. No tangible property. Keep it FIXED.