There are a lot of ways to lower your cost as you can already see. Definitely figure out a way to go, but don't financially strap yourself as this will just add more stress and take away from your vacation. Here are a few tips/ideas....
(1) Find the resort that speaks to you from your research. Whether it is CTI, CSA, CN, or CSS, you will love it. That I know for sure!
(2) Once settled on a resort, book the least expensive room category. We have stayed in several different levels and I can assure you that each is magnificent. Plus, you don't spend THAT much time in the rooms anyway.
(3) Decide what your budget will allow and book for that many nights. Trust me, even three or four nights down there will be wonderful for you. I always say anytime in Jamaica beats great time here.
And probably most important.......Book on the Love-Away-Plan. THis allows you to book through the Couples website with a $100 deposit. Then, each month, they draft your account for $100. You have the option to set it up to draft more if you wish. We particularly like this as we never miss the money as it is gone before we know it is there. Then, when the balance is due (45 days before travel), we don't owe but a nominal amount. It is much easier to write a check for $1000 or so than it is for $3000, if you know what I mean.
From reading your post, I can tell you have put a lot of time and effort in already. The best advice is to go slow, think it through, and plan carefully. If you do this, then it will all work out for you.
Best of Luck!!!
Peace, Love, and Respect
CN 2002, COR 2007, CTI 2009, 2010, 2011
CTI June 4-15, 2012