IMO
Ski Resorts - you need to have multiple affiliations, cj, tradedoubler which encompass most of the major players, with widgets galore out there, you can make a simple page look very professional and user friendly.
Debt Consolidation Loans - Exactly the same, maybe adding uka, smart quotes etc
Forget looking for niche affiliations with these, get the traffic there, and let the big guys do the work.
If you were to set up a form on your debt site, you could always sell the leads, this is the most profitable route,and there are lots of companies who will buy them.
Don't forget your ccl from the OFT if you choose this route, its less than £200