Hey there. We went every year for Christmas week from 2008 - 2018. I know I sound like a broken record saying that in every post, but feel like it needs to be stated since Christmas week is such a different beast.
We used to stay at moderates, then made the jump to Deluxe. Being a family of 3 instead of 4 now, we realize just how expensive staying Deluxe is. We considered doing DVC, but honestly, I don't wanna risk it right now. I'm optimistic that things will be better by Christmas (even summer), but God forbid... I'd rather have the flexibility to cancel if need be than to chance making a DVC and being stuck with it... even though we're gonna wind up going regardless next year... we need the vacation!
We also considered Coronado Tower, but decided to skip. The thing is, it's GORGEOUS and we'd probably save ~$1k per person, but too many factors came into play. 1) We love the flexibility of waking up a little later some days and walking over to the park. 2) My mom, now a widow and older, may wanna hang at the resort every now and then. We know Beach Club. She knows that the Solarium is the perfect escape to read a book; she enjoys walking the boardwalk; we trust that she'll be okay walking home from Epcot alone if she's not feeling it one day. We'd never make her go home alone, but the point still stands. Riding a bus to coronado is another story. So we decided to roll with Beach Club.
The Epcot area is my favorite. You can walk to Epcot, and even DHS. There's so much to do outside of the parks. You wanna walk the boardwalk? Go for it. You need a quick bite to eat? Plenty of QS options - you could even walk into epcot. Need a night where you stay close to the resort and relax? Plenty of hotel diniung options in the area.
Contemporary, while a bucket list stay, feels like just a hotel, whereas Epcot area (BC, YC, S&D, BW) feels like an all-inclusive resort, where if you decided to take a day off from the parks, there's still plenty to do.
I will say - we always make time to visit Wilderness. I love it. It's the best decorated resort during Christmastime, but it feels too removed from the parks. Especially when it's crazy crowded and if Disney is still limiting transportation come Christmas, we don't wanna rely on boats and buses to get everywhere, so Beach club it is.