A lot of people would suggest you buy points for a resort with a lower MF, and then just book at Bonnet Creek.
As a Wyndham and DVC owner, I can tell you that Wyndham is a lot less owner friendly than DVC. One thing the sales weasels will never tell you is that Wyndham issues "housekeeping" points. You get a certain amount based on how many points you own. Everytime you stay somewhere, they deduct the points. The catch is, if you stay for less than a week, even 1 day, they deduct a full week's points. So taking a lot of short vacations will cost you extra housekeeping points.
Another catch is that you can no longer transfer points between owners.
Also, you must "bank" your points BEFORE they are issued. So, for example, my points are issued January 1. So I must bank December 31 or before. And there is a $35 charge. But the points are then good for 3 years. BUT they can no longer be transfered to RCI.
Another catch is the "transaction" fee. You get "free" transactions based on how many points you own. But everytime you call to make a change, there's a transaction fee. For example, on April 1 yo don't book a stay. One transaction fee. April 2 you call to add 2 days. Another transaction fee. April 3 you call to make it a 2 bedroom instead of 1 bedroom. Another transaction fee.
But all in all, if you buy resale, and keep what you book, you should be OK. However, I'd also look into if renting from one of the people mentioned here doesn't actually come out cheaper than owning. I know it costs me more to stay than what I see people posting they paid to renters!