At the risk of getting flamed along with you, I agree.
If the OP said she didn't think she should tip because it's not a tipped position, then I would probably say "oh, well." and leave it at that. But that's not what she's saying. She's saying that she doesn't want to tip because she
doesn't want to spend the money, even though she thinks she should. She's even thinking about leaving the "Do Not Disturb" sign on the door to avoid the whole issue.
I think it's a bit like undertipping: "I only tip $1 per person at the Old County Buffet at home, so I will only tip $1 per person at Chef Mickeys. After all, they only bring my drink and clear my dishes. I can't afford to tip them 15%! I've been saving so long for this trip and I could spend the extra $9 on Mickey Bars for the kids."
Of course, I might feel a bit different about the OP's "We're broke!" cry if she wasn't staying 6 nights using the
Disney Dining Plan. This is JMO that people who are really
pinching pennies don't spend over $100 per day on food at WDW.