You generally shouldn’t rent a 1 bedroom for DVC. Studios and 2 bedrooms are frequently cheaper but not 1 bedrooms.
Also the savings from renting have gone down a lot over the past 5 years or so. You used to easily save half with a studio and even 20%ish with a 1BR. But As more and more people found out about it, the price went up up up, and the arbitrage opportunity closed, or at least narrowed precipitously.
Renting points has the perk of free parking at least. But OTOH paying through Disney includes daily housekeeping.