Work out how much time you would spend in your resort, and how much you would use the extra amenities to calculate whether it would be worth it.
To me, being able to view animals from my balcony would be worth much more than a heap of souvenirs that i would forget i had once i got home. To some, a balcony with a view would be a waste of time, if they didn't have the time to spend sitting on it.
Only you can decide how you would spend your holiday.
I have stayed at POFQ before, whilst it was lovely, I didn't feel that it compared to the deluxes and got moved to WL. It was not awful at all, but I was visiting during extremely cold rainy whether, and I hated having to go outside to get to my room!
As another poster stated - you have always wanted to stay there, so maybe you should just do it. Do you have to cut back on other things you would enjoy whilst at WDW? Is there nothing you could cut back on before the trip, or any extra work you can do so that the extra dollars aren't coming from your current income. Why not make the extra dollars by selling stuff you don't want on ebay, then you won't feel as though you've spent any extra at all, then you can't feel guilty.
You know, travel is what i spend more on than anything - i work hard, and can afford it, but i still feel guilty. But, the way i see it is this - if i found that i was going to die tomorrow, I wouldn't be feeling guilty on what i had spent on travel and better hotel rooms, and i definitely wouldn't be regretting it. I think you should go for it and stay at the AKL - i would love to stay there one day - it sounds more like an experience than just a hotel.