I'm with the OP.
We live in MI and have to spend a lot of money to go, but I am long over the whole commando vacationing thing. We simply enjoy the magic of WDW.
Don't get me wrong, I love planning, but more the researching and going in educated aspects (not to mention feeding the excitement!). While there though, I like to have my days free to do whatever we like. We love riding the rides, but even with kids 6 & 9, there are days we don't ride much, especially if it's busy. We don't do rope drop. We hop into whatever line is short. We enjoy watching the glass makers and street shows. The kids love playing in the fountains. We all love wandering around Fort Wilderness.
Even taking this laid back route, I've never felt we haven't gotten our money's worth out of our vacations.