I've called this morning more times than I care to share.

Three different experiences:
1. CM checks rates without asking about Visa at all.
2. CM asks if I have a Disney Visa.
3. CM asks for the first six digits on my Disney Visa.
So it depends!
You can justify the cost of YC by saying it's part of a Christmas present.
For me, online makes a really significant difference this time. I'm more flexible than usual for the beginning of our split stay, so I'd like to see all the different options without bothering someone to look it up. And then I'd like time to think about it. That's part of the reason for my multiple calls this morning. Get info. Think. Reconsider. Right now, we have 3 nights Movies, 1 night AKL and 5 nights BWI CL. I have no idea if it will stay that way.
In the end, the discounts aren't that great and the cost has become just plain silly. Paying $150 more per night for BWI CL than for Ritz Carlton CL in Vail seems nonsensical.