Being a DVC member allows us to take a cruise for $95 plus airfare= a total of roughly $450 Gotta love DVC
You need to add in your cost of points and associated dues for those points.
I am also a DVC member, so this is not the true cost of your cruise. This is only the out of pocket cost.
Your cruise cost way more than that, since you have to count the hundreds of points you had to use, plus the dues cost for those points.

Using points is a difficult event - there are steep cancellation policies, points are very high, and any changes result in new $95 fee each time. You are also not able to secure any OBC either.
Glad you are able to use DVC for cruises, but it is costly, especially when you compare those points to paying cash.
Tiger