Firstly, YAY for another trip
My two cents for what they are worth, but I would pick either the cruise or the snow holiday over Christmas and NY and do WDW either January or early Dec. But then that's because I hate crowds and would only attack WDW over the holiday period if someone paid me to do it.
Shoulder to shoulder people stress me out big time and the thought that there might be days where we couldn't even return to the hotel for a nap due to the parks reaching capacity and shutting, doesn't sound relaxing to me. If you're okay with crowds though, and happy in the knowledge that you won't be doing as much each day, then all power to you.
I have looked at a
Disney cruise for Xmas day, and admittedly it's almost double the price of a few weeks later. But it would be a such a magical, relaxing way of spending Xmas as a family, that I think one day (in the distant future), it's something I might just splash out on.
I've never done a White Christmas in the USA, but I have done one in Austria. It was magical and is one of my all time fondest travel memories.
My DH is a bit take it or leave it when it comes to travel, and he really only agrees to our trips to humour me. However, he does occasionally mention repeating one of trips, and it's the Winter Christmas one. If we had the money to fly back to Europe, a White Xmas would be the easiest trip I could convince him to do.
With this in mind, if you can find a snowy location in the States to hole up for at least a few days over Xmas (perhaps a cute log cabin somewhere), then it could be pretty special.
I love your split plans for WDW. Staying in both of those beautiful lodges would be wonderful.