On site at Universal with the hour early, transport, and express pass is great. We have only stayed at Portofino Bay, but there are a few. We like Portofino Bay. We even did the Despicable Me suite one year and they loved that (but they were younger then).
We've been to Disney a few times and it's always great. We stay on site, so hopefully there will be other suggestions. If you are also going to Universal and really only want one day at Disney, then I'd just drive from there. If you want multiple days at Disney, I'd switch to something closer. We've done Animal Kingdom Lodge, The Swan, and The Boardwalk. All great.
I've not gone to a beach from Orlando. We liked Amelia Island. The beaches in Destin are pretty but it's not my favorite place overall. Personally, I'd like to go back to St. Augustine so I'd go near there if it was me.
Mama to my boys (04,07,11)