Thank you everyone for your input! We decided to go with SF since we'll save $400+ and get an extra night. We'll use the extra hour to get as much as we can done in the morning and then head to VB or the pools if it gets crowded and if the lines are too much to handle we'll just pay to add EP on our tickets one or two days. We're really excited and I'm sure you'll see me on here again soon posting with another question about the dark side.
We are at SF now. It's a beautiful resort with a lovely pool. The rooms and bathroom area are on the small side but workable. The extra hour this morning worked out well. Getting in for 8 allowed us to meet our objectives. We will do the same tomorrow. We left just after noon. Hot and crowded. The Chocolate Emporium was the best meal we have had here, including Emerils, which was disappointing for the $$$.