Mamo...you have decisions to make. Read these boards and get the passporter. Check out
www.castawayclub.com.
Do you need a TA? No, you don't, but you can save money with one. There's no excuse for a TA to be "not very Disney aware." Disney hold seminars to make TAs "disney aware" and offers them wonderful discounts to visit the parks and do cruises so they have personal experience. SO...if she's not Disney aware, don't use her.
You can also save $ with an agent who does a lot of Disney. Dreams Unilmited, All Seas Travel, Cruise Travel Outlet all do lots of Disney and can save you some money.
For 3 people, you don't need 2 cabins. You pay adult rate on the first 2 people in a cabin. If you get 2 cabins, you will pay full adult fare for 2 in one cabin and a "single supplement" for the other cabin. That's a lot of $. Bunch up and stay "cosy" for the trip. There is a divider between the "living room" section and the "big bed" section. There is a weight limit (I think it's 220 pounds) in the bunk bed, but all rooms have a big bed (really 2 twins pushed together, can be separated), a couch which turns into a NICE twin bed...rooms that sleep 4 also have the bunk bed. Thus, if you can each tolerate a twin sized bed, you'll be fine. You spend very little time in the cabin anyhow.
You can save $ on private trip insurance rather than getting it thru
DCL.
A verandah is nice....look at the cost and decide whether you want inside, outside with porthole, or verandah. The verandah can be a pain if your neighbors are heavy smokers and blow their smoke into your verandah! The navagator's verandah is more enclosed, less windy.....
There are really so many options. Get the video (but remember that Dis is only going to tell you about their products), get the passporter, and decide on a budget for the trip. This will help you decide what will be best for you.