Alright Dash. I pulled a couple of different numbers. If you said what size unit you were staying in I missed it.
Studio-120 pts- renting pts $1440, rack 2863
1bdrm-241 pts- renting pts $2892, rack 3943
2bdrm-315 pts- $3780 renting, rack 5805
Applying discounts may be cheaper from WDW.
You would have to add any taxes, additional adult charges. I used a $12 point rental since that is what you mentioned. What I have noticed is that SSR an OKW are the same price via Disney for cash. OKW via
dvc uses quite a bit less points for a week stay versus SSR if you might be interested in that resort. Also, assuming this is March of 2012, there may or may not be any dvc rooms available during your stay for rent from a dvc owner. Cash rooms from WDW comes from different inventory. Most dvc owners book from 7-11 months out but if any are available SSR and OKW are your best bet. Hope this helped some.