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Is it cheaper to rent the points or just book through Disney?
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Depends. If you are incorporating some Friday and Saturday nights, might be less to just pay Disney. If you can find a room only discount on the room, it is a close call, and I would rather pay Disney, than a third party. (unless you are renting from me, in which case, I am more trustworthy than Disney
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How do you find out the amount of points you would need?
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Studio would be 70 points and a one bedroom would be 142. The Wednesday and Thursday nights are 12 points in a studio and 24 for a one bedroom, while the Friday and Saturday nights are 23 and 47. You can see why people plan to stay starting on Sunday for 5 nighs. If you were to stay Sunday through Thrursday, your cost would be 48 points in a studio and 96 in a one bedroom, significantly less. Also, that would mean you were only paying about $120 per night for a deluxe room at WL, or $240 for a one bedroom villa.