well first of all, welcome to the boards! i feel like i have a decent insight to this, even if you might not like it. a room is a room, whether you pay $750 a night, $240 a night or $85 a night. i can say when i stayed in a $750 room (which was really $400ish because I was a cast member at the time) i spent A LOT of time in my room, at the lounge and enjoying the atmosphere of the contemporary. when i stay in a moderate, i do enjoy it. i prefer staying preferred at carribean most times, but this upcoming trip i'll be returning to pofq. it's small size speaks to me, i hate sprawling resorts. now, as you've stated you spend little time in your room basically seeing it as a bed is a bed is a bed. is it worth it to you to pay more and maybe consider some downtime at the resort to enjoy the theme and amenities? do you use the pool? if you're spending a lot of time in the parks/at the poly save your money and go with pop. pop is my go to when i am planning on heavy park touring.
so basically: you like to be out in the parks, spring for the cheaper room and reward yourself with more treats