No, I don't see it that way.
I rented points 1 1/2 months ago for $12/pt. and have secured a November reservation for family for $12/pt. In looking at the market, there's no need to pay $14/pt. You also haven't provided complete details for your situation, so I'll have to use some averages based on what you did disclose:
If you're now going to present your argument on a cost per point basis then you'll need to account for the amortized price/pt of your initial buy-in over the life of the contract, which for a 160 pt. AKV contract is somewhere around $2/pt. at the average going rate. That changes your $6.30/pt. to $8.30/pt. Your $1,200 in financing fees over two years, which I suspect will be much higher, will add another $3.75/pt. ($1,200/320 pts.) taking your cost from $8.30 to $12.05/pt. You're already spending more than what you can rent for, have taken on significant risk, and I have not yet accounted for the opportunity cost of your buy-in in the form of the time value of money which is conservatively 6.5% after taxes for the average person employing a buy and hold strategy. As I stated above IMO, financing affects the cost of your contract significantly. Rather than incur $1,200+ in financing costs, why not rent until you can purchase a contract outright? This minimizes your risk in case you can't meet your goals and provides savings.