I have rented points from an owner, and had a great experience, and would definitely do it again. However, there are plenty of reasons I would book through CRO if I had to. There is definitely risk, and inconvenience involved with renting from a member. Risk that you're going to get shafted (although with safeguards, the risk is low) and inconvenience in that it is customary to pay for a large part if not all of the ressie upfront, and often you have to reserve far, far in advance of your vacation to get the space you want. And once you're reserve, you are more or less locked in and can't cancel. Also, I have seen code discounts appear for Home Away from Home accomodations, and some of them are quite good-- particularly for OKW, and also for the others. Renting is the most economical if you are looking at Sunday-Thursday nights-- even adding in one weekend night, but once you're looking at using a lot of weekend nights-- like arriving on a Saturday for instance, and leaving the following Sunday, it isn't such a fabulous deal anymore. Those weekend nights can kill you. CRO makes no such distinction. Anyway, I would definitely consider renting again if I wanted to stay at those resorts, but if I could get a comparable CRO reservation for just a couple hundred more or less, I might do that because of the risk and inconvenience built into renting.
Just my two cents.