You do nto live under a rock, and your experience is why I get nervous for people when the first suggestion I read onmany"How to reduce a Disney resort cost" is to rent points. As you are now learning, there are consequenses to this kind of stay, and some are pretty troublesome. The towel thing I could live with, but Boeing locked in to the dates and resorts? That can be probelmatic.
There must be a reason why points rental can be less expensive than staying at that same deluxe resort, right? You give up something. I get a bit frustrated because lately the answer to reducing costs is often "rent points" and that is even when folks are costing out moderates for their stay. It is not the answer for a lot of people, and as you now know, the savings are not always worth the cost difference for some people.
A cash stay is much different than using DVC points, IMO. Personally, I would head over to the DVC forums and ask your questions there. I know you are genuinely seeking answers, and perhaps the posters there woudl look at your questions differently. You see, here on the resorts board, the DVC owners must try to answer your questions and are pretty defensive because they are paying for the resorts amenities. I stayed at OKW in December on cash. I was discussing the lack od a second coffee service at teh pool, and a nice man explained that the owners do not want to pay extra for that amenity. He took the time to share how their dues are used. I think you may be better served to have yoru conversation there so the owners can assist rather than defend.