Just got back from the Aruba Surf Club... been there several time and had a great time again.
Its unlikely that you'd be able to use points in peak season at a vacationclub property like this however due to high occupancy.

You won't see the all inclusive points packages anymore, which means you'd have to pay for them which is pretty pricey. Frenchman's reef has a couple pools and a large beach that is a short walk down the cliff to the lower resort morningstar area. Nothing off property is walking distance, so you'd need a taxi or car.

Westin on St. John is quieter and less things to do around there. Its more for a relaxing secluded type getaway.