FWIW, I think you will have a difficult time renting points from a DVC member anytime during the first two weeks of December. This is a very popular time for DVC members to visit, so availability is already virtually non-existent. I know BWV is completely booked right now with several members already on the waitlist. As far as I know, so is VWL. I am not sure about OKW.
However, there may be rooms available for cash through CRO. Rack rates for a 2 bedroom villa in value season (11/3 -12/19) range from $535 plus tax/night (BWV) to to $469 plus tax/night (OkW). I doubt there are any "deals" on these right now, but there may be more rooms released for cash later in the year.
Two (or even three) rooms at the All Star resorts (rack rate is $77 plus tax/night) will be less expensive than a 2 bedroom villa at one of the DVC resorts even if you do get a good discount on the villa. If you want/need a villa/suite, off site accomodations may be the way to go if you are on a tight budget.
Whatever you decide, have a wonderful trip!