I haven't stayed DVC or in Villas, but can give you my opinions of the cabins at Ft. Wilderness.
Personally, I love this location and the cabins were excellent, in my opinion. You'll have your own little cabin, which is really a trailer home made to look like a small wood cabin. You will have a family/living room, a kitchen, hallway, bathroom, bedroom and a porch. There is a driveway in the front of the cabin allowing you to park your car and/or a rented golf cart. The porch is a very nice size and has a small grill and picnic table if you want to eat outside. The family room area has a couch and a flat screen tv that also had a DVD player. There is a large "murphy" bed that can be pulled down out of the wall. The kitchen is nearby and has your standard things; microwave, refrigerator, stove, oven, etc. From the family room/kitchen area there is a hallway. Off of the hallway is the bathroom (in which the sinks are not separate from my memory like many Disney resorts) and then the hallway continues to the main bedroom, which consists of another bed as well as a bunkbed. This room also has a smaller tv (which is nifty if someone wants to watch something else).
Bus transportation wasn't bad, and the cabins were nice and quiet. They are pretty expensive, but if you've never been to Ft. Wilderness, there's plenty of activities to do there and it has a nice charm about it, that I think makes the cabins worth it.