Hahaha. I literally had those exact 3 resorts listed to choose from as well. We nixed Polynesian because its just too expensive for right now, so it was really a toss up between the Contemporary and Wilderness Lodge. I love the convenience of of the Contemporary, the 5 minute walk to the Magic Kingdom, the monorail... We ended up choosing the Wilderness Lodge for theming and we wanted to stay on the club level, and Wilderness Lodge was the least expensive club level resort out of the 3 I was pricing. We have stayed there 2 other times and love it. We too are DVC owners and this particular trip we are paying out of pocket. Never enough points!!! LOL