We are a value and oop dining family as well and we do not really find Disney more expensive than say a beach vacation at Virginia Beach or Myrtle Beach. It all depends on your wants and so the price goes up from there. I priced out for the op 7 nights at a value (Music) with park hoppers and the DDP for 2 adults 2 kids the first week of Feb. The only thing that changed was the level of resort. Final price $3345. That is almost a $3000 difference to stay deluxe club level. That is a huge chunk of change (almost another vacation) so it all comes down to how you like to vacation, but thank goodness Disney offers more affordable options for people. Hoping for a good discount for you OP!