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I would say it depends on where you rent and what price they are charging. In a pinch I’ve rented out as low as $18 per point on the dvc rental section of this web page.
One other factor to consider is the cost of parking if you will have a car. When you stay on DVC rented points there is no charge for self parking. If you stay on a Disney booked trip, you'll be charged for parking. I think the current cost is $35/night but perhaps others can verify.
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