We used DVC Rental Store and bought the meal plan. No problem. We also didn't have to pay in full, just a down payment and full payment 60 days out, I think. We did have to pay for the meal plan in full at time of booking, though.
We loved AKL!

I enjoy Saratoga springs resort booked by davids dvc rental. Walking distance to downtown disney.

Best deal has been renting points from disney club members from davids vacation rentals. But you have to be willing to plan almost a year in advance for the popular resorts. But really nice rooms for the price. The studios have kitchenettes and private balconies.

00:34 here. We worked with Katrina at DVC Rental store.
It worked out well and she was very patient.
I wanted more interaction with someone who was booking it. One of the other major booking services doesn't really talk to you - you give them an idea of what you want and then authorization to book it right away if they find something close. That scared me.

I was able to go back and forth with Katrina a bit. We booked only 30 days in advance (though it was low season) so we did have an issue with our first choice available one minute and gone the next. However, we were thrilled with our 2nd choice (Animal Kingdom Lodge) and if it hadn't been such short notice, it would have been easier.

You can of course just buy them from the DVC member but that scared me. If they make a mistake or lie to you - you do not want that potential nightmare,

I'm sure there are other services. Check around because some have discounted points during promotions. I guess that only works if you are several months out and flexible on travel dates. If not, just go to DVC Rental store.

We go to Disney a lot and I like to book everything myself because I'm very picky. It really was a smooth process though so I would do it again.

OP I really want to know how it goes for you - regardless of how you book it. Is it your first trip?

You can still buy the meal plan if you stay at a DVC property or even if you stay outside of WDW I bet.
They make money from it so I don't think it would be a problem.

What services have you used for renting points?

*full

Agree with renting DVC points. However, the (often) fill payment up front/at time of booking doesn't work for many.