If you use a value of say $10 per point times the number of points needed + the $95 fee and different canecllations policys the cash price is usually much less and gives more flexibility.
The number of points required are negotiated every year. So some years the points required may be astronomical. And sometimes you might not even be able to get on the cruise you want because they have sold all the DVC trades. Plus, once you use those points for the cruise, should you need to cancel, you won't be able to use those points for anything DVC. You'll have to use them for the Disney Collection.
If you have to change your reservation with DCL, you'll pay the $95 another time.
1) Take what you can get by renting your points (about $10) and see how many points you would need to rent out to buy the cruise for cash vs how many points to trade and you will find you probably make out better by renting your points and paying cash.
A july inside stateroom (2 adults) would cost 388 points in a trade but 293 points rented at $10 a point would give you enough cash to pay for the same room.
2) Divide the points required to trade by the cash price and look at how many dollars your points are worth that way. Then compare it to the cash price of a DVC room divided by the point cost and look at the difference.
Same cruise as before the 388 point divided by the 2925.00 for the cruise give you a value per point of $7.54. If you got a SSR studio for a week April 1-7 the cash cost would be $3150 vs 120 points or $26.25 per point.
So on the cruise vs the room for the above example the points are worth a third of what they would be when used to obtain a DVC room.