The spending limit on the KTTW cards at the Value Resorts is $500 and the limit at the Moderate Resorts is $1000, although not sure how big a factor that is for some and if the limit is reached the Cast Members can rest you're account or something.
Yes, the account can be paid off whenever you want and your charge limit can be reset. I have done that many times.
If you want a more quiet & relaxing value resort with more lush landscaping I would suggest staying at All Star Music.
See this thread for more reasons why I enjoy ASMu so much:
http://disboards.com/showthread.php?p=18641909#post18641909
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POFQ is not as spread out as the other mods or the values.
POR CBR and CSR are very spread out.
The Values are laid out closer together.
The mods have pool slides, a hot tub and a sit down restaurant (POFQ doses not have a sit down restaurant but shares with POR.
To me there is not much room size difference between a mod and a value.
Here is the layout of a mod.
The bathroom is about the same size as the All Stars but you will have 2 sinks instead of one.
POR room lay out
Here is the All Star room layout'
All Star room layout
The mod has 54 square feet more than the value.
That means if both the mod and the value room were 27 feet long than the mod would be 2 feet wider. Just enough room for a double sink instead of a single.
There is not a lot of room size difference to me.
Have fun at Disney wherever you choose to stay!
