Honestly, if you think you’d be comfortable in a moderate, then I would choose one of those over Wilderness Lodge. I’d LOVE to stay at WL someday, but not for 14 days. I think the transportation to parks other than MK is too slow and annoying. Deluxe is always nicer than moderate, but the moderates are quite nice for what they are, and the money you’d save would be huge.
I think you could stay in a moderate 14 days without a car, but only if you’re happy to eat Disney food and do Disney things the whole time. If you stayed at POR or POFQ then you’d have access to Downtown Disney by boat on days when you were tired of the parks. And if you’re relaxed about transportation time, then you can catch a bus to any park and then another bus to all the other resorts for meals or activities. I think my family would be happy staying on property 100% of the time, but 14 days is a long time. I’d love to do things at a leisurely pace and explore all that Disney has to offer for 14 days, and they make it really easy to get around on property without a car.
However, if you want to pick up groceries or leave Disney property to go to outside restaurants, then you’ll want a car. I think it’s kind of a matter of personal taste and style. People who stay off property make different choices than people who stay on property. You’d have to decide which style suits you best. You can crunch the numbers to make sure, but everything you save money on comes with an equal expense. It all depends on how you want to spend that money.