I'm a dvc owner, I concur on renting points. Through a broker like David's is the safest, I have rented through them and would again if I need the points.
I would suggest renting a 1 or 2 bedroom villa, they have full kitchens and you can have groceries delivered to your room or shop a a local store like Publix and bring them back. Animal Kingdom Villa are usually cheapest point wise, Boardwalk Villas are a great choice because they are within walking distance to Epcot or Hollywood Studios (or a short boat ride) and are not much more than AKV.
If you want to get crazy you could buy a resale DVC contract for the cost of renting deluxe from Disney this way you would always have deluxe accommodations when you go, buy annual passes with the DVC discount, this way a second or third vacation to Disney won't count much more than one (depending on transportation and how you handle dining)
Tickets cost what they cost, if your a bringing kids it's better to get park hopers (I'd it's affordable).