Flag Family? Oh my, I may have to look into this, going in December, didn't know this is a thing. And I agree, Wilderness Lodge is a pretty good deal, still close to the main loop (Poly, Grand Floridian, Contemporary) so as you said, you get the boat access to MK. And it seems the new method is to have everything in one giant building, so it's nice to be able to go from your room to the lobby/counter service without having to go outside if it is raining. Plus the pools and everything else included are very high quality, including the grounds you can walk around. And as an added bonus, the fireplaces in the main lobby on the higher floors are a great spot to relax, especially if it's raining outside (though, in that case I also enjoy the seating areas in the lobby near the windows facing the pool/main grounds, very nice views.