Another option, if you already have a timeshare, and you belong to an exchange organization is to use the bonus vacations. Depending when and where you go, you might be able to go nice resorts at a reasonable cost. A problem is that you can't guarantee that a resort in the area that you are looking for is available as a bonus vacation, especially if it is off the beaten path but resorts in Orlando are very common. To give you an example, I just did a search with the following results for a 1-week stay
9/04 Orange Lake Studio $230.99
8/15 ESCAPES! TO STONEBRIDGE VILLAGE Various $395.99
8/21 FERIENCLUB SCHLOESSLHOF Studio $296.99
12/03 HILTON GRAND VACATIONS CLUB AT SEAWORLD 2-bedroom $346.49
12/10 BIG CEDAR WILDERNESS CLUB Studio $177.09
12/04 CLOWANCE ESTATE AND COUNTRY CLUB 1-bedroom $285.99
Orange Lake is in Orlando area
Escapte! to Stonebridge is Branson, MO
FERIENCLUB SCHLOESSLHOF is in Austria
HILTON GRAND VACATIONS CLUB AT SEAWORLD INTERNATIONAL CENTER is in Orlando area
Big Cedar Wilderness Club is located at RIDGEDALE MO
CLOWANCE ESTATE AND COUNTRY CLUB is in CORNWALL , ENGLAND
It may be possible to vacations at different locations without trading and at a reasonable rate if you are flexible. The point here that you may be able to go where you want without trading. As Dean mentioned though, many time when you trade, you end up downgrading from your home resort. The resorts I have listed are all Gold Crown in the RCI system but most of the resorrts are of lower ratings. The cost of some of these bonus vacations is not much more thant he exchange fee would have been ($139 domestic or $179 international). Bonus vacations are a possibility if you can utilize them. While a bonus vacation might not be available in an area, the ability to trade into that area during that timeframe may be available. You have to weigh the options.