OK Lynn - I'm using the new 06 Vacation planner that we just got in the mail. I will use 06 points because even if you bought today, you couldn't use points this year (it takes about 45 days to close).
Before I go into the numbers, please understand that the GF does not have listed a two bedroom suite. It is not part of the DVC, meaning they don't have villas. The resorts on property that have DVC: Old Key West (OKW), Beach Club (BCV), Boardwalk (BWV), Saratoga Springs (SSR), Wilderness Lodge (WLV). You can stay in a room in ANY Disney resort, however your points don't go as far. AND you've picked two nights of the most expensive time of year (Christmas week) but then you go down to the cheapest time of year (Janauary). Here is a breakdown:
2 Bedroom BCV: 336 points
2 Bedroom OKW: 286 points
Studio OKW: 103 points
GF: 1 Room, Garden View: 406 points
An OKW studio is the largest single room for DVC on property and has two queen beds, small fridge, micro, toaster, coffee maker and paper plates, cups etc. 2 Bedroom DVC villas have large living room, full size kitchen with plates, cups etc like if you rented a complete condo off site. As you can see from your example, your points go furthest at a DVC property as opposed to a Disney property. I hope this helps just a little (sorry it took me so long to answer, I had out scratch paper and my calculator!!!)