IMO, a renter should look to pay whatever price makes sense for them in comparison to going cash and accepting the risks.
I think the higher prices are going to be tough for an owner to get given the discounts from Disney but more importantly, the flexibility one gets by going cash in this climate. Many renters lost out when resorts closed so I think current renters need to be sure they understand it when deciding,
Having said all that, it is the owner who sets the price so in terms of fair, it’s whatever they have decided that price is for their points.
If an owner is offering more than renters are paying, and they are not getting interest, they will lower the price or decide not to rent,
So, check out what is available and go from there.