Partyman,
I haven't checked things lately, since I haven't been visiting a certain city in Canada as much as I used to, but a while back at least one was better off doing things the way you're currently doing it. I can't recall the numbers right now, but at least as of a few years ago, you'd get more AGR points by taking hotel points first and then transferring things over to AGR later as compared to taking the AGR points up front on each stay.
Bottom line, for an infrequent traveler to the Wyndham hotel line, it was best to take the AGR points right away. For a frequent traveler, read staying at a Wyndham line property at least 2 or 3 times a year, it was better to take the hotel points and then transfer in blocks when you reached the minimum.
So be sure to check what ratio of points to dollars spent you're getting with each method, before you switch things.