A couple of observations for the OP — to make this decision correctly you may want to consider what kind of trip you are planning. Has it been years since you’ve been to WDW (or never)? If so, you may be planning to do the parks commando style, in which case I would not bother with a deluxe resort (hotel or DVC). You probably wouldn’t spend much time at the resort anyways. Also, if you do believe you will be more relaxed and spend time at the resort then keep in mind that there are definite differences between the values, moderates, and deluxe resorts — I recommend spending time on the WDW website and a copy of “the unofficial guide to Disneyworld” for references. When you stay on property you get to book dining reservations at 6 months and FP at 3 months. WDW takes a lot of planning — even for us seasoned veterans. Don’t show up without a plan, or you may feel like you aren’t getting much for your hard earned cash. And finally, once you spoil yourself into a Deluxe resort stay it is hard to go back. Oh, and if you are flying in don’t bother with a rental car, on site transportation is good ( just remember to enjoy the journey).
And, above all, remember you will not see or do everything. If you run to hard it will take away from your enjoyment. I have been many times and still have things to do that I haven’t gotten to. Good Luck!