I will definitely say, after traveling to Disney World multiple times with my teenage siblings I definitely need a door between myself and them. Preferably two. A lot of it is practical: they often aren't able to fall asleep until later and sleep in a bit later and at that age they really need their space. But some of it is purely I need a break from them and they need a break from me.
As a note, I'm 28 and my youngest sister is only 15, so I feel like I've experienced a large range of ages in my travel. I also have an 18 month old and a 3 year old, so I am making a somewhat similar decision as you!
I like one of the suggestions I've seen, which is buying points in a Magic Kingdom resort and an Epcot resort. What I'm ultimately going to purchase fluctuates wildly depending on how much I value money or convenience, but I've pretty much narrowed it down to two options:
- All points at SSR-It's the cheapest out of pocket taking into account dues, price per point and longevity of contract. Financially it makes the most sense. I would then try my luck booking more fun resorts at the 7 month mark. But it also seems to be the least convenient resort to actually stay at. So you pay less but get less.
- Half my points at BCV and half my points at BLT: Both of these resorts are expensive, but the ability to rent out points at a higher rate could potentially offset some of the cost (this is mostly a lie I tell myself to rationalize). Also, BCV expires in 2042 so it's one of the shortest contracts. But both of these resorts are very convenient to some of the parks (BCV is walkable to Hollywood Studios and Epcot and BLT has the monorail to MK). But as someone noted, Magic Kingdom isn't as exciting as kids get older and it's fairly inconvenient to get to other parks.
I have stayed on property at Disney a few times, but never at one of the resorts to be honest. So I'm effectively buying blind, which is terrifying. But I don't see the value in hopping and testing out, since we know that we will be going to Disney frequently, and my husband is fairly high maintenance and requires staying on property with a kitchen and separate rooms. So I've been doing TONS of research on the different resorts. So take everything I've said with a grain of salt: what you read in books (or forums) doesn't always reflect real life!