The question I have is would you have actually paid those prices if you didn't own
DVC? If so, then the math makes. But if not, then I think using rack rate for those rooms isn't quite fair.
We own BWV and BLT. Usually when I'm doing off the cuff math on what value I get from DVC I look at what I would have paid instead. For my Sept 2022 BWV standard studio I look at what a 4 night stay at Swan/Dolphin would cost...because that's what I would pay if I didn't own DVC. For my dates it's right around $300/night including resort fees. The same nights at BWI are north of $600. While it might make me feel better that I'm getting $2500 in value....I'm really getting $1200 in value. I will say BWV is a nicer hotel than the dolphin so there is some added value for more deluxe accommodations, but I've never really factored that in to my values.
I do acknowledge post pandemic prices are nuts and many ARE paying Disney's asking price. So if you/others are in that camp DVC really is a no brainer in many cases.