We're RCI members and stay offsite every time. Bonnett Creek is nice, but a bit cramped if you have a larger family. Definatley have your own transportation if you go that route, it's much easier. Orange Lake is nice, but has grown so much over the last 15 years that it has lost some of its original charm. Opt for phase two if you can get it, it's closer to the good pools and phase one is really starting to show its age. It does have a nice pool area and water park though, nicer than most other resorts in the area. Just did Cypress Pointe this past January, which is located just north of the southeast entrance near DTD. Very close, about a good 1 wood away from the entrance, and the rooms are roomier & nicer that Orange Lake. Problem is, it's pretty much the geriatric folks and there are no elevators to the upper levels. A real pain when you're hauling luggage.
Good Luck!