Funny that you mentioned Sapphire Falls, just got back from there this afternoon. I also like Bonnet Creek better, but it's the closest approximation on Universal's property IMO.
Regarding dinner at the Castle, it would probably be a memorable experience if you have a little girl, but it's a lot of money to drop on what I've heard isn't exactly an amazing meal. Mostly about the experience.
I've never been to V&A personally, but I've heard really good things. That said, there are plenty of places around to have a top notch dining experience outside of Victoria and Albert's, at a lower cost. It's hard for me to gauge since I've never actually eaten at V&A, but I'd guess La Luce (Bonnett Creek) and Bull & Bear (Waldorf next door) are both pretty close as far as resort area restaurants go.
I'm kind of a hole in the wall type guy, although I do enjoy those places on occasion. I'm probably better suited to tell you where the best pho, tacos, bbq, etc are near downtown