I really like CSR. The construction just wasn't an issue for us. We are gone most of the day and they aren't working on anything at night. However, if you really don't want to see cranes, or any sort of construction then I'd go with POR. POR is absolutely gorgeous and lush. There's a boat to Disney Springs and French Quarter is a short walk away (yummy beignets!) The reason I give CSR the edge is because their main building is always less congested. They have two places to get coffee/espresso drinks in the main building along with two bakery areas and gelato. (I like coffee and churros.

) It is also very centrally located to all of the parks. If you book a preferred room you will be guaranteed a newly refurbished room They are super nice with lots of storage.
A preferred room at POR will, however, give you a pull down murphy bed, which with 5 people is a plus. If your 2yr old is sleeping in a pack n play, or something like that then CSR probably has more floor space.
As for the dining plan...we used to always hold out for
free dining, but have found that we save more with room discounts, unless staying at a Value Resort. If your husband really prefers to have the dining plan (free plan discount, or not) there is something to be said for having the peace of mind that most of the food has been payed for ahead of time. It is nice to just use credits and carry on without thinking about how much a meal, or snack costs. Keep in mind that tips are not included and are automatically calculated for you at 18%. The exception to this rule is Cinderella's Royal Table, which is worth 2 credits and includes tip.