We booked our OKW 2 br villa through CRO just like any other resort. If you didn't know better, there's nothing that happens that would lead you to believe that the
DVC resorts are any different than the other resorts.
Renting points can be cheaper, but if you're staying on a Friday or Saturday, the points are terribly high. Through CRO those days are the same price as any other night.
Because of that and a really good discount, we paid less to reserve through CRO than to rent points! Plus we get daily housekeeping ( I think the charge for housekeeping when renting points is $30, but I could be wrong). Also, the cancellation and payment policies are more generous than what I found when looking into renting points.
Lots of people feel perfectly comfortable about renting points, I just didn't. Even if the price had been higher, I still would have gone with WDW.
At any rate, be sure and check it both ways...sometimes renting points isn't always the least expensive way.