For January, they haven't published "room only" discounts yet nor are 2014 rates available online. For this example, I'll use 2013 rates and the same percentage discounts as actually available for July. I'll use late January (7 nights) as sample dates. Note that room rates typically have increased 2-4% annually in recent years.
Note that January has the Disney Marathon and MLK Weekend. Rates for these dates are higher and Disney doesn't always offer discount room rates for these dates. Conversely,
DVC points remain constant throughout the month. If you are going during special dates, DVC can be more competitively priced.
Caribbean Beach Resort rack rate: $1310
Caribbean Beach Resort summer "room only" discount (20%): $1048
Pop Century rack rate: $780
Pop Century summer "room only" discount (15%): $663
OKW Villas Standard View Studio: 76 points
At $14/point, the OKW Studio comes out to $1064
At $12/point, the OKW Studio comes out to $912