For the upcoming NYC Dreams trip it is either 160 points or $1599. If I rent my points for $10/point, then I have just the right amount of cash to pay for the trip. If I use my points, I would use the same number of points and pay $95. Personally, I would rather use my points and pay the fee not to have to hassle with renting points.
Yes, ABD trips cost a lot of points, but you have to consider you are not just getting a room. You are getting the room, food and the Adventure. We did the Backstage Magic trip a couple of years ago partially on points and partially on cash. It was totally worth every point and every dollar!