Give MS some choices (it sounds like you have), and research the resorts that they offer you. One way is to join
www.tug2.com (very inexpensive) and look up their very large database of reviews of many, many timeshare locations.
Meanwhile, if the trade works for you, go ahead and do it. Don't be put off by people who would do it differently. There are some very good trades to be made within the
DVC/II system. We've got a 1-bedroom in Hawaii for next spring break for 144 points. If I had the time and energy to engineer a private rental I might have saved a bit of money. But at one time we tried to plan a similar trip staying in deluxe hotels and the cost was 3 times as much!
Later, when you're more experienced with timeshares, you can look into options like owning 2 or more timeshares for trading, renting DVC points and staying at timeshares with the cash, and so forth. You often can save a bit of money with these techniques, but in my opinion they're not for beginners.