This is such a subjective question. The pros of being at the Poly are the proximity to MK, TTC to get to Epcot. Also, it’s an OG resort and a lot of people she’s a dream of staying there. But then again Swan has great proximity to EP and HS, Boardwalk area, has a great pool and dining and is a fraction of the cost with the benefits of a deluxe.
It really depends on how you plan on spending your time, ie, are you going to MK more than once? Do you plan on spending time exploring monorail resorts for dining and touring. Is it important to you to stay at an OG report? Are you going to all 4 parks, and is it a park heavy trip in general, or will you have a lot of resort time? If it’s park heavy trip, and only one day at MK, probably not worth it to be at poly for the whole trip.
I’ve stayed at both. Personally, I like the idea of a split stay. 2 nights at Poly, then 2-3 nights at swan.
The other thing to consider when renting points is the lack of options for refunds should something unexpected come up. Conversely, with the Swan you have I think up until week of to make changes with no fees.