There is a main inn and villas-in the main inn you can have an ocean view or a garden view-you can book accordingly-prices are different.
They have studios, 1br, 2br and Beach Cottages.
There is a lot to do-you will get an activity sheet when you check in. They have crafts, scavenger hunts, water balloon toss, etc. They have a mini putt-putt golf course, a playground, a pool with a great slide, a hot tub, bike rentals, the beach, waverunner tours and more.
They have a snack bar in the pool area that serves pretty good food and drinks. Shutters is a casual breakfast, lunch and dinner restaurant-some of their offerings can be a little pricey. Sonya's is more of a fine-dining restaurant-great Sunday brunch and seafood buffet twice a week-especially if you go during stone crab season!!
I saw recently that someone had a problem with some of the food but we ususually find it to be excellent. Shutters makes a homemade sorbet every evening for one of their dessert selections. Yum!
They have a mercantile where you can get Disney gifts, food-a pretty good selection of groceries, soda, citrus, film, movies, magazines, sunglasses, etc. You would be better off buying your groceries on the way in.
Most of the CM's we've encountered at VB have been very friendly.
They also have the campfire a couple night a week where you have s'mores and sing songs. They have story time with milk and cookies.
They have the Green Cabin Room-a bar-we enjoy it-especially sitting outside overlooking the ocean.
As you can tell, we love VB-I've lost count how many times we've been there-I think we like it better than WDW
You said you were paying cash. There are some discounts available to Disney Club members, there is also a discount available in the back of book you can buy at the local bookstore-the Birnbaum offer-which will get you 25% off if it is available.
Renting points will be cheaper than either discount I mentioned, even if you pay for housekeeping-you won't get it every day if you stay on pts but you will if you pay cash.
Ask any more questions if you need to.