We are planning a fall vacation and are considering using one of the services, I know David's is mentioned frequently here, to rent points in order to stay in a one or two-bedroom villa. Can someone who has done this fill me in on the positive and negative aspects of the experience? I know you don't get daily housekeeping--but you can pay for it, correct?--and we are hoping to stay at Bay Lake Tower, so I also know that you can't use the Top of the World lounge because we are not DVC ourselves (correct?). I also know cancellation is an issue, changing dates once booked is hard (if not impossible), and that we should look at trip insurance. Anything else to be watchful/wary of in points rental vs. regular Disney hotel stays? I'm pretty specifically looking for "gotcha" things I may not have considered, not really advice/info on the specific hotel/DVC locale, since I've kind of looked into all of those already and feel more confident about that. Thanks in advance for anyone who can help out!