All any of us can do is bring up various components and what we would do in a given situation, you'll have to absorb it and make your own decisions. And since none of us truly know all the preferences and thought processes anyone is going through, it's not going to be a perfect recommendation. It's easier to say what not to do rather than what to do such as don't buy for cash exchanges (
DCL, etc), don't buy retail except in limited situations or don't finance. That said, here are a few thoughts. I feel one should spend enough time and have enough Disney, DVC & timeshare experience to make an informed decision. To me that's around 6 months of active investigation for someone new to the specifics of DVC and at least some Disney & DVC experience. The more other timeshare and the more Disney experience one has, the better decision one can make.
One who has deluxe experience can make a better decision than one who only has value experience. One who has DVC experience, can make a better decision than one who doesn't. One who has a fair amount of other timeshare experience and some Disney experience is likely OK. One who goes one trip and buys DVC with no timeshare experience, has debt and finances DVC is simply playing Russian Roulette.
Going from hotel rooms or studios to a 1 BR is a big jump in price, not so much from 2 rooms to a 2 BR. It simply falls under the idea of added value over savings. IMO it's rare for one to save much with the extra facilities but common for people to justify it that way. As for AKV vs SSR, I don't think you can go wrong with either. SSR will be cheaper and I personally feel getting in to AKV Kidani won't be that difficult but it may require using the wait list at times. Maybe you should stay at SSR first if you haven't. IF you buy SSR and it doesn't work out, you can always sell later with minimal loss. I would strongly suggest deciding what you want in terms of UY, home resort and number of points rather than letting the "best contract" drive your choices. Once you do that, just set out to find and act on that contract when you find it. Or one could buy less points at SSR and try it out then maybe buy elsewhere later (?AKV) as an add on or sell and buy elsewhere if it doesn't.