Your points cover accommodations only. The points are per room, per night, and based on double occupancy. If the resort is mandatory AI, you have to pay that fee separately.
You should be able to see the fees on the RCI listing for a given resort if it's RCI for Concierge you'll need to call DVC MS. I've seen them any where from $500 a person to over $2K per person for timeshares. Often they require you to pay the private occupancy no matter how many are actually in attendance. From a timeshare trade standpoint AI resorts are EASY to get into with a couple of limited exceptions. Like any timeshare trade one has to investigate prior to commitment but this is far more true for AI's than otherwise because you've got to investigate both the resort factors and the AI/food factors. Often one can get an AI as a package deal cheaper with air and without giving up DVC points than just the AI fee alone. One specific one we discussed a few months ago was $92 per person per day starting at 12 or 14, the one who actually called MS and inquired couldn't remember for certain. The price quoted was not clear if it was Paradisus Cancun or Paradisus Playa Del Carmen or for either though I suspect they are the same price.
There was a news story last week comparing all inclusives head to head against pay as you go. Pay as you go was less expensive by a few hundred dollars. Reminded me of my DDP verses out of pocket studies which for us showed that the DDP was a few hundred dollars more.
That makes sense, a company wants to make money, not give it away.