I am hoping and planning to take a family of 5 (3adults and 2 teens) from frozen Minnesota in Jan. 2005 to Disneyworld. I've come across the land/sea options for cruising with Disney. I can't seem to decide if it is more economical to buy the package or to book each piece separately. The piece I am most interested in are the hopper passes. Are they included in the package? What about transportation to the ship and back? Is it best to stay on Disney property or Universal's? All advise will be greatly appreciated.