We used points for AKL SV last December. We bought an add-on late in the use year and needed to use or lose the points. Could not get reservations at any of the
DVC resorts (on property) so we went with our favorite non-DVC resort.
We had a great time watching the animals, used points that would otherwise have gone astray. We may do this again, such as GC in California or even more at WDW. But then it will be because we would rather use points than cash and do not want to bank for future use.
That said, we are just days away from a last minute surprise (for my wife) trip to the Poly for our 25th wedding anniversary using AP discount instead of points. Here it was a decision that the AP rate made it very attractive to use cash and not to borrow points from next year.
So I guess the best answer I can provide is it depends. Each time we will look at our "cost" using points or cash and make the call. We love DVC resorts and the one bedroom or two bedroom units. But we also enjoy other Disney resorts (the only Disney resorts we have not stayed at will be YC [we prefer BC!], Pop Century and GF - maybe some day on another surprise anniversary trip

)