..I would go for the DVC studio, we own DVC and have rented points to friends and they have stayed in the studios and love it.
Please keep in mind that maid service is not included the entire time of your stay. There is a towel and trash day every three days of your stay. That would be the biggest difference between DVC and Moderates. Now you can pay for daily maid service, but then that defeats the purpose of not staying at a moderate (it might be more costly to stay in the studio).
But on the plus side you do get the fridge and microwave and the DVC resorts just seem more "upscale" in MHO. Plus if you stay at BCV or Boardwalk - LOCATION, LOCATION,LOCATION!!!!
Where ever you finally decide to stay enjoy, after all it's DISNEY!!!