As a veteran DISer, "Disney Nut", and
Travel Agent, I use the info I've gained here, & at all the other sites we all know & love, to plan a great trip, & get the best deal, for my clients at Disney.....Yes, the commission is important, but I'm not going to make them spend more money, just to make a few extra bucks......The way I feel about it: I'd rather have clients who are satisfied & happy with my vacation planning for them (I even lucked out, & got the Cinderella Bkfst. for someone last week!).....From a business side, they'll probably use me for their next trip......AND I really love planning Disney trips...It really feels good to help people "Experience the Magic".
I think that it's important to use a travel agent that is a Disney Specialist.....Disney actually has a College of Disney Knowledge for TAs.... And, more important, to use an agent who seems to enjoy planning a Disney trip-----
A good travel agent can really take the hassle out of the "Nuts & Bolts" part of the trip, leaving you to plan the fun stuff...........
Ok, now I'll come down off my soapbox, & give my opinion re. Contemporary vs. Wilderness Lodge.......I know there are pluses for Cont (on monorail, bigger rooms), I've always found it cold, myself....WL has a boat to MK, FW & Cont, the atmosphere is great for both you & the kids, & they have a lot of activities for children there.
Have you considered a cabin at FW? We spent Thanksgiving week there, & loved it! It has a separate bedroom, full kitchen, dining area, living room with TV/VCR, & a deck with picnic table & charcoal grill. Lots of stuff to do with the kids, & most of the campsites are really decked out with Christmas decorations in December.....There's a boat to MK, & the bus system is good there, but if you can fit it into your budget, renting a golf cart really makes it easy, & fun, getting around....Just a thought.
Whatever you decide, you're going at the best time of year, I think--Have a great trip!