Yes, for the most part it's cheaper. For instance last Nov. we stayed in a studio at BWV for 8 nights for $1600. It would have been just over double that if we went through Disney. This year we're staying our first 4 nights at BCV for about $200 a night (studio) when it's about $400 through Disney.
There are a couple ways to rent: you can use a 3rd party sight, and I'm not sure I can post those websites on here. Do you belong to any of the Nov. Disney FB groups? There's also a thread on the boards here under DVC Forums where you can rent points from DVC members. When they aren't going to use their points they'll rent them out to others. There are some pros and cons but we've found the pros outweigh the cons.
From your ticker it looks like you go a week before us, so you're there during FD correct? It may be a little difficult to get what you want so I would have some back-up choices, but if you are on right at 6am your chances should be pretty good

In all my trips I never booked my ADR's right at 6am at 180 days until last year because it was our first time going during FD and it was a little crazy lol, but I still managed to get everything we wanted. As far as the website working for you when the time comes, you really just have to cross your fingers!!