I know when we've done Disney cruises we have rented our points and paid cash to get a better value.
That might be the better way to go, but I think you are getting a little ahead of yourself.
The first set of questions to ask are: Where do we want to go? And then, ask, "Is there a
DVC/RCI resort there?
DVC members only have access to about 600 of the more than 4,000 RCI resorts, so there is a chance that DVC won't present
any options where you want to go.
If there is a DVC/RCI option or two, then research those resorts and assess whether they are good values for your points or not.
Those RCI resorts are going to be timeshares, obviously, so a good comparison might be to see what you can rent a reservation for at the resort of your choice
from one of that system's owners. TUG and Redweek would be good places to start.
They would also be good places to start if DVC doesn't have access to an RCI resort or destination you want.
Is RCI similar to the cruise where the point exchanges are pretty high?
Nothing like a cruise, but you will find a wide variation in resort quality. You just have to research each resort.
I think you can get some very good exchanges, and some really mediocre exchanges -- but that's the nature of the beast in any timeshare exchange. In October, we stayed in a little place on Cape Cod with a Wyndham/RCI exchange. It was considerably below Wyndham standards, but the rooms were okay, the staff was very gracious and friendly, it was located just 3 miles from Uncle and Auntie, and very convenient to decent local restaurants. We had a great time, and never considered whether we were getting maximum value.