I think it's also weighing needs, vs. wants. I mean upcoming I am staying at AKL through a friends DVC points. but if that wasn't the case, even though it's only 5 days I would never be able to afford it and would be at a pop century. it may be easier to stomach only being two people going as well so the space wouldn't feel as crowded as bigger families would. but the way I view it, 5 days at a value resort will always trump 5 days of New Jersey (unless Bon Jovi is playing at the rock or meadowlands) and do ill always take what I can get compared to nothing on short trips since to be honest I wouldn't be down long enough to really appreciate the rooms too much to begin with.
(plus all that said you can still appreciate the luxury hotels without staying there. I've had many trips where I stayed at port Orleans riverside and always found my way to animal kingdom lodge one morning at least for Boma. and honestly depending on your animal it may be better viewing than K. Safari. you go there and it's set up nice, your not blocking any bodies room or anything and they have viewing stations to see things like the giraffe, without having to hope you get a good shot on the ride and get back in line if it was blurry or something. also most mornings waiting for Boma after showing up early there were cast members that were there to help wih and questions, something again you really don't get in the safari. )