Thanks for the welcome! So much to read for "research"!
What's the difference between going directly through Disney and a travel agent? I have airfare already, so just (?) need lodging, tickets, and possible ADR or two.
You're welcome.
I agree, there's so much to read and learn that you never realized. I've learned a lot since I've been here and there are still many people here who have forgotten more than I will ever know.
The difference is if you go directly through Disney, you "own" your reservation - you have control over it. Want to make changes? You can do that on your own without asking someone or waiting for someone else to do it. You can do your own ADRs whether you go through a TA or not, but as far as the actual hotel reservation, the TA "owns" that until they release it to you (which can vary by agency when they do that - 30 days out, 10 days out, etc.). That can be problematic if you don't have a good TA to work with if you want to make changes (ie: add a day, change the resort you're staying at, applying a discount you qualify for, etc.).
There are other differences too, regarding making payments, but as long as I've been here I can't keep that straight in my mind (Disney requires one night's deposit, I think, where with a TA you can make payments ... something along those lines), and with Disney you can (I think!) pay the remainder once you get there instead of in advance ... and the refund process is different, too.
See what I mean? That part keeps me completely confused.
Don't get me wrong - working with a TA can be fantastic if you have the right one! I've used AAA for our last two trips and our TA is great, so I'm not saying do not use one. It's really a matter of personal choice (and how much control you're willing to give up or how comfortable you are making phone calls, how much time you have to do it, and how willing you are to deal with the CMs yourself).
Just my .02 cents.