I'm also going to recommend the IHG card. If you stay 2 nights or more at an IHG then you may want to consider this to be a keeper card and not downgrade. The free night 40K certificate each year will likely be more valuable than the AF. PlanePrincess and I each have the OG IHG card with the $49 AF, but even if it were $89 we'd keep it. We use our FN certificates at the Candlewood Suites which is 3.74 miles away from WDW. We each make a one night reservation and then when we check in, the front desk will combine the reservation so we don't have to switch rooms. There are also a few WDW good neighbor hotels in the IHG network. I've yet to see any of the rooms less than $89 per night. I am a big proponent of keeping a card with an AF as long as that AF brings you a benefit that outweighs the cost.
Marriott has become increasingly difficult when it comes to using FN certificates and they are going into dynamic pricing for award stays. Therefore, even their points will wind up less valuable down the line.
Personally, I would not rule out the Hyatt card based on the no downgrade path. The FN certificate each year is far more valuable than the AF. The award pricing for hotel stays at Hyatt on points are significantly more favorable than IHG or Marriott. I can honestly say that my one regret after being in this hobby for the last 10 years is not jumping on the Hyatt bandwagon sooner. There's my two cents. Hope it helps.