Do you qualify for any discounts at the Swan or Dolphin? Can you afford the standard room rate at AKL or WL (these are cheaper than the monorail resorts). If you don't need to stay on site, the Gaylord Palms offers some discounted rates as well.
On our last trip, DH and I stayed at the Pop Century. The room wasn't anything romantic, but being on a lake was really a plus. We got to take long walks around it, looking at all the native birds--cranes, anhingas, grebes, etc. We love wildlife so it worked for us. We also enjoyed staying in a building that reminded us of our youth (we are in our upper 20's).