We booked a 4 night cruise for this Dec. and used 302 points for 2 of us in an oceanview stateroom on deck 8. I don't remember her saying anything about the $95 charge and I thought I read about that charge being dropped for DVC members.
We have 500 points and don't mind using them for the 3 or 4 night cruises. I wouldn't want to go a whole week on points, way too many, but not so bad at 302. I don't want to bother with renting, and this is our way of vacationing with our points.
I looked at the points chart to get an idea of how much the different cruises would use. When I called I had an idea of the amount of points I wanted to use and asked her what was available for about 300 points. I had the deck plans opened on my computer so I could see which stateroom she was talking about.