Since 2011, I have brokered 10 private DVC renting transactions for either my family (3 times), or others. The most I've paid per point is $12, compared to $14-$16 per point through the major brokers. Back in January, I booked a BLT standard view studio at the 11 month mark. I knew from research that those rooms were likely to go quickly, so I settled on $12 per point from a DVC owner I had used for 2 other transactions I had done for folks in the past. I was glad I did, because my DVC owner buddy checked availability the next day, and two of the seven nights were sold out.
If you know what you are doing and do your homework, you can truly reduce the risk of private DVC renting down to the level of renting through the major brokers.
Long story short ... try going with a private rental. You can save hundreds. Plus, each time you rent privately, you gain a "trusted" DVC owner, which can be reused in the future to reduce any risk involved in the process.