I think 5 in a studio would not be a whole lot of fun. It is cramped, and these studios that sleep 5 have virtually no storage space.
Remember, the price you pay for any
DVC contract, is for the 11 month booking window. If you are not going to take advantage of that, then SSR is the only smart choice.
If you are going to take advantage of it, then I am with the buy where you want to stay school of thought.
OKW, BCV, BWV, VWL all have 2042 expiration dates. Wilderness Lodge is on the cheaper side per point.
One thing about AKV, I do not think Kildani has a quick serve.
To me (and I just bought VWL on the resale market myself), I think one saving grace of DVC resale is that the contracts hold their value well. So you can also recoup a lot of your money should you decide you made a mistake. (That is not to say you wont take a hit, but typically its not a 30% hit).
Based on what you said, I would either buy VWL, or save another year and buy BLT.
You might not even hold onto any contract you buy until 2042. Then again if you do, I am sure there will be ways to buy another resale contract at that time too.
Final thought is do not dismiss Maintenance Fees...they add up, and greatly affect the true cost of ownership.
Another BLT case: One pitfall to MK is leaving; you are kind of stuck there. You HAVE to take a bus, boat, or monorail, and sometimes, that can just be a long wait. BLT is just a walk away. This has never bothered me, but I know some people do get frustrated by that 'trapped' feeling.