i would happily buy these gift cards at a 1/3 discount to use at Lake Como, Cayucos, Cambria, and Laguna Beach. My experience is MMS is never priced higher than a direct booking, often lower like Cayucos for instance. i’d never pick MMS in a location w a Hyatt as TSUs give me the desired suite at a 50%+ discount, but a 33% discount on a suite at a MMS-only location is quite nice.