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To each their own, of course, but I am personally a big fan (and an owner) of fixed week / fixed unit ownerships instead of "points", owning where and when I would be glad to travel in any given year. The OPTION to "exchange" always exists, but need not be utilized --- my reservation is always sitting right there, fully guaranteed --- unless I CHOOSE to do something different with those units / week in any given year. "Points" ownerships require considerable advance planning and advance reservation efforts and gyrations. That particular enterprise is not for everyone (and it's not for me). Again, "to each their own". That's why there are lots of different ice cream flavors too!