There is no 'magical' luggage transfer when returning home...sad to say. You do have to get your bags to the RAC counter if you are checking the bags at the resort. And you do have to get it there yourself. RAC (remote airline checkin) is just curbside service, but the 'curb' is a looooong way from the terminal. You have to present yourself, with your bags. They will ask for ID, etc. Pretty much like at the airport. The only difference is that most times, one adult can check the entire family in, so that the whole group doesn't have to get up and moving early in the morning.
That isn't going to take care of the issue of getting bags to the front of the resort. Even with a car service, you still have to get your bags there..somehow or the other.
Also...many guests will not think that $125 is particularly inexpensive. And, I guess it all depends on what you call efficient. I love tagging my bags, then getting on the DME bus, and having my bags arrive at my resort later on. It routinely takes me about 15 mins longer to take DME than a car service, unless I'm using a car service with carryon bags only.
So...efficiency and inexpensive are relative terms.