Every on prop resort is convenent. The monorail is nice, but not needed. I agree it is better for people with strollers. You will do well with 2 rooms. Many people like to get to vaule rooms, with Pop Centery opening you have many choices. (this is very afordable around 150 a night for both rooms depending on the time of year.) There is also mod resorts, we love Dixie Landings (AKA PO Riverside).
DVC resorts are good things to consider. However, while 2 bedrooms are nice, I don't think you need that. 4 people can fit fine in a one bedroom. You will have 2 rooms, one with a main bedroom with king size bed, and one with a sleeper sofa, kicthen 25 inch TV with VCR or DVD player, washer and dryer, full size bathroom with jacuzi tub, shower and septerate toliet. A studio is a queen size bed, and sleeper sofa (2 queens in OKW) a small kictenette (mid size refridge, coffe maker, microwave, toster ect.. ) A 2 bedroom is a one bedroom with an ajorning studio room. The biggest are OKW, with 2 beds in the studio, but also the worst bus system of the whole WDW resorts, it is best if you have a car there.
Oh I forget, if you are planning a 10 day trip you might want at least one person to get an annual pass and hope for discounts (they can save you up to 40%, but the codes don't go out until a few months before.)
DVC is not the only suites on prop at WDW, but they are most common. I belive all the deluxe have some kind of a sweets, but they might be pricey. The most afordable would be the ones at WL (there is also Villas at Widerness Lodge)
Anyway you have lots of options, and every on Property repsort is good. You get more when you pay more, but not everyone needs more. GF is nice, but really expesive. The new AKL is a nice altertive, nicely priced and the busses run really well (you don't share with another other resort.) Wilderness lodge is close to MK, but not as pricey as some other Delxue resorts. Also don't forget the Epcot resorts (Y&B and BW) They are in walking distance to Epoct, and a boat ride away from MGM. They also have night time enteraintment right there at the boardwalk.
Last but not least, S&D are not Disney owned, but are right next to the other Epcot resorts, and use Epcot transportation. If you or husband are a teacher or goverment empolyee, look into it. They have great discounts. (some other companys have discounts there too.)