For me, it's hard to separate the cost from the onsite/offsite issue. Both can be very nice. But for the cost of a single NIGHT in a 2BR condo at Disney's Old Key West Resort, we get a FULL WEEK in a 2BR timeshare condo at a Gold Crown or 5 Star offsite resort, by trading our timeshare from elsewhere.
The cost difference for us is not a small matter, since we always strongly prefer a really comfortable condo, with full kitchen, inroom washer/dryer, inroom jacuzzi tub, extra bathroom and plenty of privacy when our teens take along friends or we entertain friends. It covers our park passes, restaurant meals, parking, gasoline, pretty much everything! Even when we owned DVC, it was much more expensive than our offsite timeshare arrangements.
For us, the offsite timeshares also compare in cost to about 3-4 nights stay at Disney's All Stars hotel (can't call those "resorts," IMHO). We don't fit in one room at All Stars, so that would be 2 nights really (2 rooms). But, unlike All Stars (and some posts about the moderates too), we have never been disturbed by crowds of rowdy teens in school bands, sports teams or cheerleading squads at offsite resorts.
DH prefers the quieter Florida atmosphere at most offsite properties
without the commercial Disney marketing machine in action, as it is at the Disney hotels and resorts. We also like to visit other Orlando attractions, besides just Disney. And we wouldn't make use of "onsite privileges" anymore. BTDT.
So you see, cost is a major factor for us. But we have terrific vacations offsite.
