To answer your original question, YES, the PAP is making us go broke! We were not planning a WDW trip in 2013 due to our planned trip to DL/Aulani in June. We had planned to return to WDW in June 2014. But now with the PAP discount, we wanted to take advantage of getting an annual pass that would also last through our June 2014 trip. But we have to activate the passes prior to Dec 31, 2013. SO.... we booked a F&W trip for Oct 2013, mainly to get our passes and activate them!!! (We've also gone to F&W the past two years and love traveling that time of year). I'd like to think of myself as a relatively smart person, but I will fully acknowledge the marketing of this PAP discount is getting us to book a trip that I don't think we would have taken!!! But I'm not complaining.... we now get vacation withdrawal if we aren't heading to FL every 2-3 months! So I don't know what we'd do if we had to wait 18+ months to be back at WDW. The kids have already been chomping at the bit to ride the new Test Track (whenever that will open!).