A couple of years ago I bought my first resale contract at AKV. It was half the points I ultimately wanted & I'd actually stayed in a 1 br. villa there on a cash reservation (plus I'd stayed in the rooms before that & loved the resort) so I'd done my research before I even made an offer.
My original plan was to buy an Epcot resort a couple of years later - after I'd exhausted my AKV points, probably BWV due to the lower buy in cost & getting boardwalk view units (I'm really fond of YC lake view rooms, but don't like the non views of BCVs.) I then stayed at BWV on my AKV points and realized it wasn't the resort for me.
Meanwhile, of course,
DVC opened VGF, which happens to be my favorite resort, but I wasn't sure staying in a villa would feel the same for me as staying at the GF. So I tried out a 1 br. @ the VGF (using the AKV points,) loved it, so my revised plan was forget BWV and add on at VGF - which cost about double what adding on at BWV would have cost.
The point of all this is that what you think you want now will change as you actually experience using your DVC points and as DVC opens new resorts and, in your case, as your young family grows older.
SSR may be the best fit w/ easy access to DS, + the option of tree house villas & the new lower point requirements of the standard category.
AKV may work because of the low buy in and the value villas point saver option.
The new Copper Creek w/ it's low point per night scheme may be a good fit.
Disney could build a new DVC that suits your needs perfectly in the next couple of years.
In some ways it's like buying a car - do you opt for the most frugal/practical choice or do you want something more appealing to you & can you afford to buy that which you really want & is that emotional pull of the more expensive option worth the extra money? W/ cars, you'd test drive the options & then decide on the best fit for you weighing the tangibles & the intangibles. If you can, test drive a few DVC villas to get a better sense of what suits you best.