I'll be honest- I was scared the first time I rented
DVC. It's not a good choice if you think your travel plans may change as it requires payment up front (sometimes 100%, sometimes 50% down, 50% closer to your travel date). There are brokers (companies) who manage point reservations for many members. They tend to be higher priced per point, but have a better shot of getting you the resort and room type you want right at the 11 month mark as they have a large inventory of points to pull from. Most of these companies are bonded and insured for your peace of mind.
You can also book through private DVC owners (There's a rent/trade board here on the DIS, and a google search will also bring up another board of DVC owners with a huge rent/trade board). If you go the private route you have to have much more faith in the person you are renting from since they control the reservation even after they have your money. The upside is that with private individuals the payment terms are much more flexible (I've done 100% upfront, 50/50, and one that was 30/40/30 (booking/45 days/14 days). I always make sure that there is a signed contract involved and that we each have copies. I've never had a problem.
As for the BTGs- if you can't beat 'em, join 'em! We ended up tagging along with a tour group- they move at a brisk pace, do a great job of clearing the path, and people tend to go the other way when they see them. The key is to be able to pull out of the group and power walk your way AHEAD of them into the queue.