You will get all type of responses. What any member choses to do with their points is up to them. To answer your question, there are 3 problems with the areas you ask about. One is that these options may not remain as they are not guaranteed or built into our membership. Second is that the points can and do change from year to year, usually with an increase. Third is that the points are too high for what you get and that makes them not a good value from a financial points. Why do I say that? There are 2 ways to value points in terms of dollars. One is what you spend up front (divided per year) plus your yearly dues plus any other factors you chose like lost income on savings. The other is to compare what you would get with those
DVC points if you stayed at a DVC resort.
When you figure the lowest time in the lowest view at GF is as many or more points than a 2 BR unit at any DVC resort almost any times of the year, something is wrong. Using that same comparison, the lowest cabin at the lowest time is almost that many points as well for TWO people only. Then you add to that the fact that if you cancel either of these reservations, you don't get your points back in a fully usable way. They go into a holding account that expires at the end of your use year and can only be used for certain things and not DVC units.
If you understand how DVC pays for these, you'll understand why the inequities are there. DVC gets a discount rate from the resorts/
DCL. Lets assume that's 10-20% at most based on RACK rates. Then you give DVC the points and they use them to book rooms that they rent themselves (for a 25% discount) or through CRO (I assume they pay them a fee, my guess is about 25-35%) and that not all of the rooms are rented. DVC basically pays too much and gets too little in return so we pay for it by giving them "extra" points.
Don't get me wrong, it's nice to have options but unless I'm in a use it or lose it situation, I'm not going to do this. I'd rather rent out some of my points and use the cash to pay for the other items. I come out ahead and have many more options.