Speaking of club level hotel stays. Try the Boardwalk Inn Resort Club Level. You get basically the same amenities as at the Grand Floridian at a less insane price. Plus, its within walking distance to EPCOT, a much better choice of locations for adults with no children.
Some people stay in cheap motels on 192 so they can afford a dinner at Victoria & Albert's. Others eat counter service in the parks and skip all extras so they can afford a really great on-site hotel room with a view. (And a few people can afford to do it all and experience a vacation like I described anove.) You've got a wide range of options at Disney. It's your call on how to use them.