Using points to a non DVC resort is a horrible value.

For example a moderate resort peak season is 25 (S-T) 29 points (F & S) per night.

Beach Club is 18/22 for a comparable room (Studio)

At $11 a point, a week would cost you about $540 to downgrade your accommodations.

There isn't a limit on how high the point cost can go for non DVC accommodations. DVC offers a little protection to that, point cost can change a bit, however if something goes up, something else has to go down. They can't just make up point costs.