Well seeing that we have had 7 different stays since July 2015 (with 1 more stay this year in October using DVC points, and 1 stay without DVC points) and running the pricing per Mousesavers with a mix of villas, 1 bedroom, and 2 bedroom stays we will be at $33454 if we had to pay out of pocket for our stays.
Based on the information you provided so far, I assume you purchased less than $33,454 worth of points at VGF and PVB, since you mentioned that your last 2 years of stays have paid for your VGF contract. For simplicity, I'll assume you paid $150/point which, I believe, is less than either DVC resort has been offered for, even with discount.
We also have to assume that you paid Maintenance Fees at both resorts, plus closing costs, so let's round this to $156/point.
I'll also assume that you paid cash so that there are no financing fees.
This comes out to a purchase of 214 points.
In addition, you mentioned that you've stayed at a mix of studios, one and two bedroom villas, and that Disney was offering one year of free points when you purchased. So, let's assume you have 428 points to use without borrowing from next year.
The lowest points-per-night at WDW are the BWV standard view Studios and the AKV value Studios at 10 points and 9 points per night respectively during the slowest season. These are extremely difficult to book for someone who does not own at these DVC resorts, so let's assume you stayed at your Home Resorts.
So, you have 428 points to spend at VGF and PVB.
You didn't specify when you went, so I'll assume the mid-priced Dream Season.
During Dream Season, 7 nights in a VGF one-bedroom standard view requires 308 points. 7 nights in a two-bedroom standard view requires 412 points. At PVB, 7 nights in a standard view studio requires 153 points.
Since you did not specify the mix, I'll assume an even distribution of all three room types, which works out to about 42 points per night.
Recalling that I estimated that you had 428 points to spend, this works out to roughly 10 nights.
This means that, to date, you've spent about $3300 per night.
I'm unaware of any rack rate reported by Mousesavers that comes out to $3300 per night.
Perhaps you can provide more details (how many points purchased, what price, etc.) and then we can work together to figure out where we went wrong.