Shan,
As you stated, points have no monetary value, so don't make any comparison between your sword and his.
As stated by Paul, school/smith/workmanship interfere in the monetary value.
I have seen koto Juyo at 2/3 the price of an Hozon Koyama Munetsugu or an Ishido Korekazu.
With NBTHK shinsa, you apply for a kanteisho level and you pay for it.
With NTHK, you apply for points, but here again, you won't get a Yushu kantesisho if the shinsa is not held in Japan (even if the sword is worth it)
An unpapered Masamune shall always have more monetary value than a Tokubetsu Juyo Bungo Takada.
If you want to know the value of your sword, it is easy : it is what people are ready to offer you for it, whatever the price. Due to MAC, I am thinking that all prices are going to decrease.
There is always a gap between what people think of their property and their real value market
As was stated in the Tosogu forum, you can almost have papered tsuba for the price of a loaf.
Everybody is welcome to read Darcy's article :
http://www.nihonto.ca/ratings.html