I have do CR and on my own, plus used Southwest vacations. I take the CR price and then do my own thing to see what's best. I have never done a package with Disney, always too expensive. I have booked the hotel (with a code) with tickets through CR.
The Chicago Tribune just ran a comparison between Disney with free dining and same package through United vacations (same hotel, free dining) was about 1,100 less. There were "hoops to jump through" with UA but nothing weird, just book by dates, etc. It was last sunday's ((May 6).