What to do with my bonus and 2015 HGVC points

Hi. Sorry if this has come up before but I am really confused about what to do with my points. I have an HGVC ownership with 7000 points yearly. I currently have left 4280 HGVC points for 2015 and 14,540 bonus points which will expire on February 6, 2016. I am planning a trip July 2016 which will use about 7700 points. As I understand it, If I use bonus points for the July trip and decide to change the trip, I lose the points after 2/6. The HGVC rep said I should use the bonus points to pay my 2016 MF, but I think that isn't a good use. The bonus points an be banked to RCI and I can use 2015 and 2016 HGVC points for my July trip. Parking points into Hilton Honors also doesn't seem reasonable.
As you can see I am confused. So to sum up- what do I do with:

4280 2015 Club points?
14,540 bonus points expiring 2/6/16?

Thanks.

What to do with my bonus and 2015 HGVC points