Thanks for all the recommendations. We are excited that we added on some other vacation clubs that will allow some other options. To keep us busy traveling seeing new places, we added on Worldmark points that has good reviews, and has many nice places to stay on west coast, and also Hilton Club NYC, with points that can be used for any Hilton affiliated hotel or resort too (Conrad, Embassy Suites, etc). Got enough points for 2BR for 2 weeks NYC (but half will be used for other Hilton locations internationally that could spread the time to about 4 weeks), and points enough for 2BR for 1 week west coast destinations using Worldmark, perhaps Vancouver visit first. Of course, bought resale - never buy new, never buy direct from developer, never ever finance.
Renting 2BRs or 3BRs at WDW, DL, and major cities can be SO EXPENSIVE, and almost impossible to find availability, and being part of a vacation plan does make so much sense if need space for larger family. We used to rent condos, but would end up with futon hard beds, poorly equiped places, always something weird when renting from private owner, so don't really like doing that anymore.
But IMHO if only need studios when vacationing, DO NOT thnk it ever makes any financial sense to pay for vacation plans or timeshares for only studio use. You can almost always find better prices for rentals of timeshare studios on eBay, VBRO, Redweek, etc, or just book regular hotel room. I've noticed the rentals for timeshare or vacation club studios usually don't even cover the MF's, so think very bad financial decision if your travel plans are for studios only. Also, regular reservations via hotel are so much more flexible, as opposed to Vacation Plans that require that you plan WAY ahead, and must also buy trip cancellation insurance as difficult to cancel. Most hotels just require 24-48 hours of cancellation notice, some even less.
But if need the extra space, need a kitchen perhaps, and have a big family and are able to plan WAY ahead, think vacation clubs do make perfect sense but only if reputable company is managing, and only if it provides flexibility (able to rent for enough to cover MF, easy to resell at least for a penny, and easy to exchange via RCI or II, or SFX), and ONLY IF PAY CASH, not finance. I found little negatives about HGVC, Hilton City Club,
DVC or Worldmark. Most everyone has been thrilled with these vacation plans, all of which use the flexible point system. After staying in a 2BR at Villas Grand Californian, don't think can go back to regular studio hotel rooms again, except for 1 night stays when on the road of course. I just keep thinking of those little full beds over at Best Western or HoJo across the street from DL that we crammed ourselves into (our family of 6), several sleeping on floor between the full beds, then about our "house" we got at Grand Californian last Decmber. There's simply no comparison. It just makes all the difference adding some quality to your valuable and limited vacation time.