You have been over a lot of the differences between the actual rooms, and sombody touched upon on the non-refundability of a points rental, but you really need to be aware of the difference between the points process and a normal cash booking.
DVC is designed for the long range planner. DVC owners can book 11 months out where they own, and 7 months out al all other properties. For popular rooms and locations, such as you are looking at, rooms will start booking at 11m onths out, and when the 7 month window opens, any remaining inventory will really start to disappear. This means you have to make your booking well in advance.
Second, you need to be aware that the booking is in the name of the DVC owner, and under control of the owner (and only the owner) until you actualy check in. You cannot call DVC to check on the reservation, you cannot call DVC to book DME, you cannot do anything with the reservation - DVC will not speak to you until you are checked in. There have been a few horror stories of people renting points in a private transaction, and then getting shafted when they go to check in. Most owners want money up front,and you are trusting that they will interact with DVC as you wish. Brokerage places add a bit of cost to the transaction, but they act as middle men. They will take your money and hold it in escrow. They will not pay the owner until you have successfully checked into your room. I have heard of cases where things did not work out with points rented through a broker, and the broker paid for a room for the client and then went off and did whatever leagal things they had to do witht he owner to get compensated. So, short story, a broker costs more, but also provides a level of safety.
One the other hand remember that you are actualy staying in a property that is partially owned by the owner, and you are technically their guest. If you steal bedding, bust up the furniture, or incurr a cleaning fee, the owner is going to be charged.
As far as DVC rooms are concerned, they have pretty much spoiled me for other acomidations. If I check into a hotel and there is no microwave or bar sink, I feel cheated.
Just beware, renting DVC points can also be a gateway drug to owning DVC points.
-dave