I have, in the past, banked and borrowed to get enough to use on cruises. We did the MED in '07 but the Baltic in '10 we only had enough points for two people and paid for the third.
I have enough points for three people for this cruise, just barley. At first I was short 4 points and the guy said I could by them at $15.00 per point. When I asked if my dollars reservation could be moved to a dummy one since it was booked on board and I am getting 10% off he said they, dvc, will give me a discount on points...so he re-figured the whole thing and it would save us 14 points total!!! Are you kidding me!? So the 10% discount, which in our case was $1,000.00 only equaled 14 points!!! Or $15.00 times 14 points =$210.00. Plus I have a $200 OBC if I pay cash and with points there is no OBC.!!
DH and I talked it over and we have listed this years points with Paul at the DVC Rental. We will see how it goes. If it goes good we will be able to pay for the cruise in cash and have money left over for hotels or air travel.
On the vacation club Facebook page I posted questions about renting and the two companies with the most recommendations were the one you are using and the one I went with. We just listed them a couple days ago so we will see.
I have, through the DIS Board, rented some out in the past myself but it is so much work....
Good luck to you, oh and me too!!!