Universal isn't that far away in miles, but it can talk around half an hour to drive there, unless you go during rush hour. If you won't have a car, Mears has a shuttle for not too much.
Ooh, Contemporary.... Well, when you're on disneyworld.com, be sure to click on anything that looks like a link to "special offers". Some have gotten 40% discounts on Deluxe hotels!
I have a yearning to visit Coronado Springs resort, a moderate. They have queen sized beds, vs the doubles at Caribbean Beach. And it just looks pretty.
Remember that you can wander the grounds anywhere (except for pools)...use hammocks (Poly and Carib Beach have hammocks...maybe more), hang on the beach (the beach at Grand Floridian is lovely), etc... Then go on back to your own resort when you're done exploring.