Is staying at Pop Century or one of the All-Star Resorts an option? They're pretty cheap (though not as cheap as off-site hotels) and Disney, so you know the quality is going to be high.

Plus, you'd be able to take Disney's Magical Express to the hotel. I'd pick up my luggage at baggage claim and put them under the DME bus since you'd be getting in late and leaving the next morning.

Also, I think, but don't know for certain, that Disney hotels will transfer your luggage to another Disney hotel for you. That way, you could check out of Pop, have your luggage transferred, take a cab to POFQ (or bus to DTD and boat to POFQ), check in and head out to the parks nice and early. Then, when you get back to POFQ you can pick up your luggage (not sure if they'll deliver it to your room for you) and head to your room.