The first year we went, I got everything separately. We stayed at a good neighbor hotel which I booked through Orbitz or Expedia (I can't remember which for sure but it was whoever had the lowest rate for where we wanted to stay), the tickets through a discount site through my employer, and flights from the airline as they were the cheapest. I can't remember how much I saved over booking through the Disney site, but it was enough that we could put that money towards our time in the parks. The only downside is everything had to be paid when we purchase it. The last 2 years we did it through Disney mostly because we make payments over time while securing our rate for the hotel onsite and tickets. That's the one benefit to doing it that way I think is that the discount travel sights you can't make payments but with Disney Travel, you can.