I had one for about 8 years. Bought it on the resale market (ebay). It was lovely, big, 3 bedroom 2 bath.
I did get tired of returning to the same place (where I don't know anyone and cannot store stuff there like a cottage).
It was too big for us when we didn't invite others.
The Annual fee increased over time and got pretty expensive.
I tried to sell it, nobody wanted it.
Finally I was able to give it back to the resort and only had to pay about $300 in legal fees to transfer it.