Rentals thru the DVC Rent/Trade Board will usually be well below those rates you quote ( typically they range from $9-13 per point)
Every example I gave came from actual prices paid this thread and ranged from $108 midweek studio to $166 for a studio to $425 for a 1BR. So you can easily get a 1 or 2br with a full kitchen from Bonnet Creek (my original example) for less than a DVC studio. If you can find a DVC 1 or 2br for $100 to $125/night jump on it, you're getting a deal.
and there is no surcharge for ME with a rental from a DVC member. The amount charged by the member is the full payment.
Brian Noble had it right, the $100 is what they charge RCI people to trade in as a resort fee. Apparently they don't charge renters the same. Thanks for the correction.