I stayed at the Poly for 6 nights last week and it was awesome! Then we switched resorts and stayed one night at POFQ for this past Saturday to give the Moderates a try. The grounds at POFQ were really pretty but we thought the room was not that great. Felt a little old/outdated except for the bedding (which was very fresh looking and appeared to be the same as the Poly, minus the decorative pillows). We decided we will not stay there again. I think I have a high standard though so it may depend on what you expect out of hotel/motel for the money. POFQ is motel style with exterior doors and no interior hallway. We usually prefer hotels over motels. (As a reference, we think the Comfort Inn line of hotels has way nicer rooms and we would consider it a "moderate" grade of hotel chain).
We also waited at POFQ for 40 minutes for a bus to MK and watched 4 buses to Epcot go by while we waited. I am thinking this is not normal by listening to complaints of others around us who were waiting but it gave me a bad impression of the transportation there. I am hoping this is not the norm. I did ride the boat from Epcot to Hollywood Studios and the boat stopped at Swan and Dolphin on the way. I know you can't get all the same perks staying there but the boat transportation seems really convenient for those 2 parks and it was a very relaxing boat ride.
In our situation, we are close enough to drive and not fly which can make a huge difference for some people but for the money, we decided we would rather stay at a nicer hotel close by with less Disney perks.
If you add in the parking fees and daily resort fee at the Swan - does that then get the price closer to staying at the YC? If so, go with Yacht, if not, then Swan over POFQ because of the interior rooms and proximity to parks and restaurants.
