You may be able to stay off site for a little bit cheaper but the packages that Disney offers makes the price difference menial. IMO, it's better to stay on site because Disney's service tops anywhere else. There's just something about staying at a Disney resort. Also, you will be able to use Disney's transportation and you get access to the extra magic hours.
We will be staying at POP and will bring a wheeled cooler. Once we check in, we will go to Wal-Mart (or similar) and getting things like water, soda, snacks, some fresh fruit, milk, etc. Each night, DH will fill up the cooler with ice and we'll be good to go. If you will be flying and you won't have your car with you, there is a grocer that will deliver to your room if you set it up in advance.
We are getting the meal plan because the food at Disney is expensive and we wanted to have it all paid for in advance as opposed to having to worry about how much we are spending at every single meal. This will enable us to not have to worry about what we are ordering, how much it will cost, how much money we have left, how much to tip, etc, etc, etc. In case you haven't checked it out yet, the meal plan includes 1 counter service meal, 1 table service meal and 1 snack for each person 3 years old and over in your package (for each day of your stay.) The counter service meals include soft drink, entree (or combo meal) and dessert for each person; the table service meals include appetizer, entree, soft drink and dessert for each person. It also includes the tip! If you watch for deals, you can sometimes find free meal plan included in the package (most commonly done in late August-Sept.)
There IS a lot of info. Good luck planning your trip. If you're stuck, ask. These folks are great!
Oh, one tip: When you come across a piece of info on these boards that you think is interesting or think you might want to remember, write it down right then or you may not remember it.
