I do not agree at all that OKW and SSR are boring resorts. I have stayed at both of them several times each. I do think however, that you should only pay for that two bedroom if you will use those amenities.
If you plan to spend a lot of time in your unit, relaxing and enjoying the balcony, well then your money is being spent on amenities you will use. However, if you plan to spend most of your time at DTD, at the pool, etc, then why pay all that for a two bedroom? At OKW that is like 1300 square feet of space! You could have ample space in a one bedroom for far less, heck a studio for a family of four, for two nights is fine.
We have done one and two bedrooms, and while I loved our two bedrooms, we did that size unit when we had grandparents along. For our family of four, I would never spend the cash or points for that size unit.
Both of these resorts have lots to offer. SSR in particular has a wonderful pool area, my kids have stayed all over the place at WDW and that main pool at SSR is a favorite. And both resorts offer activities for kids (classes, games, etc) and have Community Halls with all sorts of games and activities. Both resorts have bike rentals. And the boats to DTD are fun. So to me, the resorts are great for non park or DTD only trips, just not sure you really need that much space! But that's your call. They are certainly lovely and spacious. But even as a DVC owner who loves those resorts, I wouldn't pay $950 a night for that two bedroom. Ever.
If that's for two nights, I might say yes. But that would have you at just around $425 a night which sounds very low for a two bedroom, even off season.
Also, bear in mind that some two bedrooms are a one bedrooms with an attached studio. Your kids at night would be far away from you and there would be a separate door to the outside. So if you go with this, ask for a dedicated two bedroom that only has one door if you want your kids to not have an exterior door access of their own (and a separate balcony as well).