OK, have done both.
We found Indian Waters in Indio a couple of years ago...stayed there 2 weeks, then a month last year and have booked 6 weeks for mid Dec til early Feb later this year and 2016. Very reasonable for that time of year and a nice, clean, friendly place. So we agree with post above.
And LOTS to do in that area - LOTS.
We have stayed in Yuma at The Palms and fantastic / beautiful place. Downside to Yuma is just not that much to do around there. We go up and drive KOFA and all and do some hiking. But The Palms has things going on there. We might stop for about 5 days or so returning from Indio next Feb.