Yup, this is us exactly! We don't feel pressured to use it because we have it, but we love knowing we can just hop wherever whenever, though I totally get that that isn't for everyone.
I played around a lot with our times for FP and generally got them to line up pretty well in the mornings. If we had a FP that we didn't particularly worry about missing, especially earlier in the trip, we just missed it if we wanted to hop elsewhere. This trip we also planned to go back in the afternoon to swim, but the rain gods turned the dial up to 11 and it poured for hours every afternoon! We expected some rain but it was pretty intense, so we were only able to swim at night. Luckily our Blizzard Beach day ended up getting really sunny after a cloudy start! Cost is definitely a factor though. We usually plan 1+ year out so for us it gives us a bit more wiggle room to save up, and we usually stay value which helps lessen the blow of the overall package. We're barely in our rooms! Too much park hopping