Bonnet Creek is the cheapest during F&W. As a Wyndham owner, I can book a 2 Bedroom Deluxe for an entire week most of Sept and Nov for $610. You would have to have a car, but it gives way more bang for your buck than any of the WDW moderates. If you don't want to pay for parking, you can just park at Disney Springs and take the bus to Beach Club, Boardwalk or the Contemporary and walk to the Parks. The only time you HAVE to pay for parking is if you're going to Animal Kingdom.
I personally can't stand Hotel rooms. I need a full kitchen, private bedroom and a balcony. None of the moderates are worth giving up those amenities when they can be so easily had for less $$$. I rent out Bonnet Creek all the time on Redweek. It's actually mostly DVC owners that have rented from me and were short on points. Once you've stayed in a condo with awesome amenities, it's hard to go back to Hotel accommodations, even if you're barely in the room. The deluxe resorts are nicer than Bonnet Creek, but moderates are not.