You are not missing anything. However when looking to convert the points to other usage you should also look at other factors. I'd say you can definitely rent all of yr points at .50 a piece. Any higher price and the rental slows down. Just realize that it could take a couple people to rent all 5000 points. The savings of $650 is all relative. However renting at .60 a point should be doable. But when doing calculations for value I'd use .50 or .55 as a figure to see if its worth it. If you are able to rent at a higher price that would be a bonus.