I have AAA but after talking to the local office, I'm going to book through Disney. AAA requires a NON refundable deposit of one night's stay. You can't even change dates without encurring a fee. Disney told me that they charge you a deposit of one night, but so long as you cancel 5 days before your arrival date you get 100% refund, and changes don't cost but are subject to the rates for the new dates. AAA told me I had to pay for 1 day tickets even though I have an AP voucher already (which I showed them) in order to get the dining plan. Disney told me I can add the dining plan up to 1 week before I arrive. If I add it now, I have to pay a higher deposit which is still refundable but 45 days before arrival not 5, so they recommended I wait until a week or so before I arrive to add it and then pay it all then instead of 45 days out. They said they run out of rooms often, but never run out of dining plans!