We thought about renting points but figured December wouldn't be an easy month and we don't want to lock ourselves into a contract. With my husband's health who knows. Also that is why we stay on site. DH needs an ECV and there is no way we can lug that thing in and out of our car. !
renting points IS staying onsite- with all the stuff that comes with booking a disney vacation. Staying at a delux resort like Animal Kingdom or Boardwalk.
But with health being an issue-- and no cancellation that may not be the route for you to go