There is so much wrong with this, I don't know where to begin.
1. 5 nights in a standard room in November (weekdays, and not Thanksgiving, because that's what you're getting with 100 points) is $3,989 rack rate, not $5,000.
2. Nobody pays rack rate, 25% discount is almost always available, so now we're at $2,992. $30 of cash price saved per point is middle-of-the-road at WDW overall, and bottom-of-the-barrel for Studios.
3. Standard hotel room wouldn't include a kitchenette, but it does include daily housekeeping, so we'll call that a wash.
4. Maintenance fees exist.
5. Time value of money exists. Invested funds spin off a return. Straight-line "purchase price per point per year" is not any kind of valid analysis.