I just priced on WDW a 7 night stay, resort only for 2 adults, 1 6 yo and one 2 yo at the Poly. This is for Dec 3 to 10 2005. The concierge price was 3250.00 and non concierge was 2387.00! And this is value season, right? I read here how booking separate can be cheaper but you obviously need a code or don't book through Disney. I sent them a request for a planning DVD and asked to be put on a list for room codes. I received an email telling me they mailed the DVD but they ignored my code request. I don;t think we are ever going to stay onsite at this rate. At least I have time to plan and decide. But it looks like my Poly dream may not be this year. 



we used the Visa Kids play free package and saved us a bundle. I know everyone here books then waits for codes, but I don't think that's a good idea (ooooooh here comes the flames
). I wait until the special rates or packages come out then call or go online to book or call a Disney specialist TA (one I can acutally speak to). But, that being said, you can if you would feel better to have your rooms booked early, make a reservation like the other posters said and wait for a code and aply it later: or book at a value and upgrade your ressie.
That's always fun
