This is so tough.. we had to make the same decision when we went to the Beach Club in February. Previously, we only stayed at lagoon, water or other premium view rooms. But, we knew we'd be spending a lot of time in the parks that trip (we usually don't do that, we usually spend a good amount of time lounging at the resort) so we booked a standard view. The truth is you will be a little disappointed. And, the standard rooms at the YC and BC usually overlook the entrance, parking area or building roof tops. It's not like staying at the GF in a garden view where the views are still really pretty.
I think it depends on how much time you'll be staying at the resort. If you will there a fair amount, you may be disappointed in a standard view room. And you are right... a good number of water or pool view rooms will overlook a quiet pool and not the lake directly.
There are a select number of standard view rooms at the YC that actually are on the boardwalk side of the resort (not many) so you can always book a standard room and hope you'll get one of those. There is a map of room locations at this link:
YC Map
Good luck!