For those asking about check-ins to villas...
Although I haven't stayed DVC at AKV as of yet, we're DVC members, and at the other DVC resorts we've stayed, it seems to be the general rule that you will be waiting until closer to check-in time for your villa. DVC rooms take a lot longer to clean than regular hotel rooms; the time of year/occupancy of the resort can factor in, too.
AKL is also the only resort we've ever waited beyond the normal 3 p.m. check-in time for regular WDW guests. Of course, that was the time we were needing to change for the P&PP and catch a 5:00 ADR at the MK. That didn't happen.

I hope you have better luck!
Regarding Bell Services/luggage.
Is there a way for ME to lock up a bag? I'm going to have one carry on bag that will have about $5,000 in camera gear and a $1,000 laptop. I don't want that bag just hanging around for someone to steal.
We will be getting to AKL between 9-10am by ME from MCO so we don't have a car to leave the luggage locked up. With a check in at 1600 that is a long time lug around that bag.
Are you talking about Bell Services at the resort, or Magical Express itself?
If it's your carry-on bag, you should have to keep it on you upon getting to the resort (the only luggage you won't see until later in the day is any luggage you put the ME tags on, and checked from your home airport). I don't believe Bell Services will "lock up" or take responsibility for a bag per se, although obviously the bags aren't accessible to just any guest as they're being held.
If I were you, I'd do one of 3 things:
1. Bring a lock (or those plastic cable ties) from home, and secure the bag yourself.
2. Remove the really valuable items from your carry-on bag, and have them hold it in the hotel safe for you. (Space is somewhat limited - DH had them hold his DSLR camera and bag, and it just barely fit in the space allotted).
3. Take the bag with you to the parks, and rent a locker there to store it in, until you head back to the resort.