I can tell you that as a
travel agent ...the price you get online is the same one we get when we call or do it online. You just will be charged a fee by a travel agent to do it for you. That said.....
The POly is so pretty at night with the tiki torches lit, and the view of the castle from the beach. It is very romantic to lay in a hammock and watch the castle lights change...see fireworks...and just listen to the boats go by. The restaurants there are great as well.
The Grand is a standout for its location, beauty and its restaurants. As far as service not much different than any resort.
The Beach/Boardwalk also has the romantic night scenery. The ability to walk to Epcot is priceless if you like to enjoy it at night and eat dinners in the countries.
The rooms are nice at all of the resorts you mentioned. Yes...you can ride horses at Fort W without staying there...just hop on the bus.
As far as Moderates...our fav is Caribbean Beach. It has a nice layout and a beach feel to it. Although the PO riverside and French Quarter are fine. Nothing fancy...just make sure you get a King Bed...not 2 doubles.
As far as airfare. Book it on your own in order to get the flights you really want. Then take advantage of the free transfers Disney will have when you travel!
Any ?'s please ask.