Lisaray- right now I believe Starwood is relaxing its no-cancellation policies, so check into that to relieve your fears. Another strategy is to take the next highest rate available if it's not too too much more than the non-refundable rate, then keep checking kind of obsessively until it gets closer to your dates to see if it comes down. I agree that the planning is a big part of the fun!
Since you've not been there, let me tell you that Vistana resort is worth every penny of its price. We have stayed there twice, after the 1st time, I bought a foreclosed unit from Holiday Group. The units are decorated in that Florida style but are as comfortable as you can imagine. (My unit is in Fountains where most of the rentals are. I've never stayed at the Villages but I hear that the units are smaller, but a little more plush & modern.) The pools are great, there is putt putt golf, everything is 5 minutes away. Can you tell I love the place!?