I think if money is going to be tight, definitely switch to a moderate. However, if you can swing it, I think you will really like the CR. We stayed there with our 2 & 5 year old boys and they thought it was so cool taking the monorail to Epcot and the MK, and better yet, being able to WALK to the Magic Kingdom! You really feel like you're in the heart of Disney World staying at the CR.