Everybody has to make their own judgement as to value, affordability, and their own particular vacation style. We have stayed at BC, WL, most of the moderates, and all the values over more than 35 trips since 1989. Since the kids are grown and it is just the wife and I we have settled into a pretty regular routine which is an AP and stays alternately at POFQ and PoP. We love POFQ and always will but since we try and do a minimum of three trips a year budget wise for us it just does not make sense to go deluxe. Maybe we should have bought into DVC years ago but given as much as we go we would still be staying outside of DVC. And maybe I need to look at renting points for when we eventually take our kids and their spouses. But when I can go with AP and stay at Pop for $1,100 or less for a week then the trip becomes relatively cheap, and we can do more of them. Also our touring style is leave the room in the morning and generally don't get back to it till late at night. We love the parks, and touring the other resorts for shopping and just looking.
Also given the fact I get six weeks of vacation a year and still roll six every year and get every other Friday off I have lots of vacation to burn and need to keep costs down a little. If it was one trip a year then I am sure we would lean to more deluxe stays.