I have my low points BW Standard view. Lower than SSR.
I've never noticed any resort to be overly crowded mid day when everyone is at the parks - except perhaps the pools, and I think the SSR/OKW theme pools will be every bit as crowded. Actually, I've never noticed resorts to be crowded - except the food court at the Mods or the pools. The BW can be noisy, but not if you are on the other end of the resort from the action. VWL is quiet and peaceful and everyone says that the BCVs are the same (haven't been).
We don't drive at Disney - and certainly won't when we are older.
If I'm going to WDW to spend time in my room, I'll sell the contract. If I don't go to the parks, I'll be by the pool, at the golf course. Room size isn't a big issue when we are older, not spending time in the room, and its two of us. In fact, if I'm not going to the parks or golfing fairly extensively, I'll sell the contract. DVC is too expensive a timeshare simply to use it to get out of a Minnesota winter.
(I suspect that the Disney addicts here are a minority, and that most people will own the contract while their kids are "Disney age" then sell it - and the average contract will change hands three times over its life. There will be people who hang onto it to use it for grandkids, but they'll still be going to parks.)
Futhermore, as I age I become more a creature of habit. Once I establish the habit of using my home resort, switching doesn't seem like its going to be that attractive. We see ourselves falling into the pattern already - we talk about switching resorts, but the bother isn't worth it.
YMMV.