To give you a specific example, POR on a weeknight in January, std view, is 19 points per night. This would probably cost you between $228 and $285 per night (using a range of $12-15 per point). PLUS $95. And no housekeeping.
The same room is available direct through Disney, without any discount at all for $182 per night. With housekeeping. And a much more flexible cancellation policy.
Renting points doesn't make sense for non
DVC options.