I'd rent your points and pay cash. At 84 to 104 per night points depending on season, where regular cash rates are $400 to $800 per night, you're getting a $4.76 value per point, not including paying a $95 fee to do so. If you rent 84 points at $10 per points, you can stay for 2 nights versus just one of trading.
Its a stunning resort, the pools amazing, definitely the best and most extensive I've seen. Its always our first choice of a place to stay-cation when they run kama'aina specials.