Is there a link so we can see more than the ones mentioned here? And WOW, that is such a high amount of points needed!
The deluxes are all in the same range as GF. Maybe a bit lower, but they're still several times higher than it would be for a studio at a
DVC resort. The moderates range from 16 - 45 points a night, depending on the season. That's slightly more than a studio at a DVC resort. And a moderate is a definite step down from a DVC resort, IMO. I'd never use my points at a mod.
Another important thing to remember about point use at non-DVC resorts... the point requirements are somewhat fixed at a DVC resort, for the life of the contract. If they raise the points for one room category, or season, they have to lower the points for some other room type or season. The total number of points for the resort has to stay the same.
There's NO such restriction on the point requirements for the non-DVC resorts. They're renegotiated every year, and they can and do go up. There's nothing to stop them from doubling or tripling the points required for a stay at a non-DVC resort. That room at CBR that costs 16 points could cost 50 points in a few years.
A DVC membership is intended for use at DVC resorts. I consider the ability to stay outside of the DVC resorts to be a perk; OK to use once in awhile, but certainly not a reason for buying in.
If you really feel that you'd be unhappy staying at a DVC resort, or that you'd prefer staying at YC or CBR most of the time, then DVC isn't a good fit for you.