Well I pay cash for my vacations now I know thew Disney if I booked today for just the room for october that is the case. Now I understand you get discounts for this package and that package but with a total package it was almost $10,000. Now I know packages go up and down all the time it took us 2 years to find a cheap package for us to go last oct. still cost us $6000 with tickets to stay at the movies resort and we check every opinion threw Disney, aaa, and enternet and couple private agents. Disney was the cheapest by almost $1600. But I think it probably would be worth it in the long haul. I'm 35 my youngest is 6 I got pleanty of vacations left in my life where can I find these other models you was talking about.