Op, I think it depends on what you want out of your vacation. Do you want the extra space, the kitchen and the ability to do laundry right in your room? Other than renting points (which by the way is not always less expensive then staying in a room, it's according to where you are staying and what kind of room, and you will have to pay it up front and book way in advance) or paying the price for booking
DVC through Disney, then off site is going to be better for you. I've only stayed off site once in over 30 years of going and that was back in the late 80s and I'll never do it again.
My reasons are mostly convenience of getting around. I drive down so I have a car but never use it, I rely strictly on WDW transportation and have no problems with it. When I'm on vacation I don't cook, sorry I just don't. I don't do laundry, again I just don't. So those two factors are off the table with me. I've rented points once and while it was fine, it was a last minute trip and I ended up doing a split stay because I couldn't get anything for the entire length of stay I needed. I was solo so all I needed was a studio, I ended up splitting with POR and OKW. I've stayed in a 1 bedroom at AKV with my son and DIL but we went through Disney and I actually got a better rate than I would have had it been available and I had been renting. We didn't use the kitchen not once except to make coffee, which you can do in any moderate or deluxe. I've stayed in a studio at BWV but again through WDW and not renting, again got a good rate with my AP discount. I've stayed at the Swan and will be doing so again in Sept. I love the Epcot resorts and actually could have gotten a room at BW for the same rate once you factor in the silly resort fee and parking fee at Swan but I'm not fond of BW. Swan/Dolphin often run specials so I'm hoping between now and my stay I'll knock at least $10 to $20 a night off the rate I'm paying. My last stay after changing my reservations 4 times (they kept coming up with better discount) I ended up not only saving the resort fee and parking fee but an additional $20 more per night.