To me, the garden wings at the CR are really nice, location-wise, but really, I don't think they are *That* different from wilderness lodge. An example of taking the monorail to epcot is the easiest to me. From the garden wing, you would go out of your building, in to the tower, on to the resort monorail, off at ttc, switch monorails to epoct. From wilderness lodge, you would go out of the building, on to the TTC bus, on to the epcot monorail. It doesn't seem that different to me. The monorail does a better job than the boats at moving a lot of people more quickly - so at park close it is nice to have the monorail rather than the boat. But even if you really just loved the monorail, it isn't THAT much different to take the boat to the CR and walk in to the main building than to walk from one of the wings to the building. The real joy of the contemporary is the tower, imho, and being able to just go downstairs and get on the monorail.
And I don't think it is the price of the points as much as how many points per night it would take. I wonder if there was a dvc at the garden wings if it would take the same points as wlv/bcv, or if they would come out with a new schedule of points (like they did with SSR between OKW and BWV/BCV/WLV). I do think dues might be higher if you had to pay part of the monorail and the boat and the busses.