First off, you are going to have a wonderful time at either resort. Oct is a great time to visit WDW. We have stayed at VWL 2xs and POFQ one night.
Now to be fair, we were slammed at POFQ with the Pop Warner crowd which you will not have to deal with. With that being said, I would pick WL any day over PO. We did not have anytime to tour the resort at POFQ so I can not comment on the grounds. My family LOVES, LOVES WL. If I could afford more points on our DVC VWL would be by far my first choice. The resort is beautiful. The grounds and views are amazing. The staff was wonderful. The lobby is breathtaking as is the view from the beach. If you can swing it, I would definitely recommend WL at least once. It is really something to see. I am by no means saying PO is not nice, it is just apples and oranges.
Please do not take offense to my pushing WL, it is just amazing. Either way, you are in Disney!!! As for the rental, we have been to WDW quiet a few times and have never rented a car. We have 3 kids 10-7-6 and have done the disney transportation with the double stroller (years ago), in the summer heat, and at Christmas time and really have no complaints. A rental is not really needed unless you want to travel off property. Have a wonderful time and good luck with your decision.