There are many nice hotels that are "off site" but are actually closer to the parks in terms of walking distance then the "on site" hotels. I always stay at the Hojo which is about a 10 min walk and there are many restaurant choices along the way. I'm a single woman who travels alone with my four year old son and I've always felt quite safe making that 10 min walk including when it's dark out. That being said, since you aren't too concerned about budget and it's your first visit, I would really consider an on site hotel just so you have the whole Disney experience. The links Hydroguy provided are excellent and he and others have contributed a lot of great info in the stickeys found at the top of the DL boards page.