There is a point value for Moderate resorts, as well as a point value assigned to Deluxe resorts, Fort Wilderness (campsites AND "cabins"), resorts at other Disney destinations (Cali, Tokyo, Euro Disney & Hong Kong) & the Disney Cruise Line.
Most of the time, the point values are kinda prohibitive. You won't get the best bang for the buck. Put it this way: Staying at a moderate resort, standard view, value season, on DVC points, for one week? 140 points. You could stay for one week in a Studio at the Concierge Level of the Animal Kingdom Villas for 20 points less than that. Needless to say, more expensive times of year will require more points, and I won't even scare you with the point value for the Poly resort or a Cruise Line Cabin.
To answer the second part of your question, there is a reduced "DVC member" rate for the DVC resorts, in case you wanted to extend your vacation a night or two past the amount of points you have. There is no DVC member rate for any of the NON-DVC resorts. HOWEVER, if you buy yourself an annual pass (there IS a DVC member discount for annual passes, 100 for regular passes, 150 for the deluxe water-parks-included annual pass), you could possibly get a passholder discount on those rooms.
Hope that helps.