Hi, I appreciate your providing knowledge. There are so many people who buy in before having a plan.
We've done a lot of research. We know SSR is cheaper ($500 less for the same number of points and the annual fees are less) for 25 points, and that standard rooms at both resorts won't necessarily require home advantage. Especially since these points will be for the random in-between trips, for a studio for a few nights with banking and borrowing. We do typically plan a year in advance and mostly vacation in fall/winter. That will likely shift as our kid gets older.
Our logical sides kept telling us to buy SSR for our add-on for the small $$ savings (we'd definitely go that route if we were doing a large contract like 100+), but our hearts won out. We really weren't fans of SSR when we walked around it and, being from the Northeast, we have tons of hotels that emulate that look. We've stayed at AKL twice and we LOVE it there. In the end, we decided the option to assure staying at the place we love, with possibility of value or club level if we planned far enough in advance, was worth the small extra cost.