Just a tip if you do go the DVC rental route: It may be worth finding a DVC owner who is renting out points with a fall Use Year (Aug, Sept, Oct, or Dec). Even though the rental fee you pay to the owner is usually non-refundable, in some cases, there are owners who might be willing to help you reschedule a trip. If they are willing, you'll be limited to using the same points you used to book your original reservation. This is something I usually explain to people when I've had to rent my points out.
Let's say for example, you rent from someone with a December UY. You would be renting Dec 2021 points which are valid for stays all the way until 11/30/22 should you need to reschedule. This gives you a big 11 month window. If you, however, rented from someone with a February UY, you'd be renting Feb 2021 points which could only be used until 1/31/22, a small window of only a few weeks.