My experience of points vs cash - I just returned from the 3 night Bahama cruise on the Wonder in early February. I booked the cruise 2 weeks prior to the departure date with icruise.com. The rate for two adults was $815.00 plus a service charge of $14.00. We booked the cheapest rate rooms on the ship (I believe it was a category 11). To our most pleasant surprise we were upgraded to a category 9 (huge window in an outside room). This didn't cost us any additional money. When we picked up our documents at the port that was the room assigned to us.
The past 4 times I have gone on the 3 night Bahama cruise I always did it using my points. The point rate for the same room we paid $815.00 for would have been 82 points each = 164 points (the current years
point chart). At the current assumed value of approx $10.00 point that would relate to $1640.00 if my points were used. And I can tell you from experience you are NOT upgraded unless you pay a significant amount of dollars.
So obviously whenever I book future cruises I will book them online as I did. Another odd thing was that I called
Disney Cruise Line for the same cruise and the price they quoted me was $900.00 and some dollars EACH. I can't figure that one out - why Disney wouldn't have the same deals that an online company can offer. I do believe the price Disney quoted was for a Veranda room, as they said they didn't have any category 11 rooms available.
I have since looked at the icruise website to check on prices for cruises later this year. I'm interested in taking my grandchildren on a cruise and I found some dates where the cost per child is only $133.00 each. I don't think you can get a rate that low from Disney.
So you may want to look at their site and see what the dollar amount would be for your family. At least it would be something to measure whether you are paying the standard amount, or more or less.
Good luck and enjoy the cruise - I love that 3 night Bahama cruise. The best part is that you're cruising and getting all your meals included for the 2 most expensive nights to stay in the
DVC properties (Friday and Saturday).