Many thanks to those of you who took the time to answer and provide me with valuable insight. I still am weighing the pros and cons.

JWhite I can't figure out how to get into the Tug website to the Marriott discussion area. Do I need to register or pay a fee? Any suggestions? I think I would find valuable info at tug from those in the know.

TheAuditor, a non holiday ski week if 32,900 and they offer 125,000 points for not using it.

fparker, Marriott said they would rent it out for us and they would keep 35% (the same amount you said)

general45, I just had lunch with an old friend who has 4 timeshares and she agrees with you completely about investing the money instead.

Please keep any new insights coming. You all are terrific!