OK, I didn't want to respond, but decided I had to.
Let's look at the actual numbers for your vacation. Fictitious family of 4. Mom, Dad, 2
kids ages 8 and 12. They want to stay at AKL with a Savannah view. From July 11 - July 18, the total cost of the room is $2,761.27. Since they are going only to Disney, they use Magical Express from the airport, and Disney transportation everywhere. They want the ability to leave whenever they wish from a park and take a bus/boat/monorail to wherever they need to be. They have no other costs for the room under this setup.
Next, they decide to see if they can save some money and stay off-site at the Hyatt Regency Grand Express. I don't know where you got a rate of $167/night, but I couldn't find that. Anyway, in order to make a more apples to apples comparison, they want to stay with a pool view at the resort (as opposed to the savannah view at AKL). That nightly rate is $240. Since I will be staying off-site, and still want the option to come and go as I please, I will need a rental car. Since I am going to a 4 diamond resort, I'm going for a nicer full size car, such as a Ford Fusion. I can rent this for about $355 for the week. So plugging in everything at the resort, my room will cost $2,079.75, and I will have to pay a parking fee of $17/day, so add another $119. Total cost with rental car - $2,553.75. So I have saved just $207, and now I have to drive everywhere!
Then comes my scenario. I am a DVC member, and it would be 139 points for a Deluxe Studio for that same week. With my cost of dues, that comes out to $718 for the week. I can even get a 1 bedroom savannah view for 272 points or about $1,400. Over $1,000 less than stay off-site, and almost half of paying cash, AND I get a 1 bedroom suite instead of a hotel room.
I respect you a lot for what you bring to the numbers here, but you have totally missed the mark on this one.
If you really feel that way, maybe it's time to sell your points, and move on.
That is in no way inaccurate. When I get to the resort, I pay absolutely nothing out of my pocket to stay there. No room rate, no taxes, nothing. That is what I meant.
If you are better off staying at Universal, then by all means, stay there. My wife and I have no desire to even visit Universal, and would certainly never pay for a room with cash at a resort we couldn't care less about. Just us, and not for everyone. We have a Sea World here where we live, so don't need to go there.
Cheers!