Disney will protect their Bubble. The
surveys from early November on recent exiting guests was all about the Bubble perks (Transportation, magic hours, FP+, Dining Plan, Magicband, Park Hopping, etc.)
From personal experience, we enjoyed our Disney vacation so much more in Feb 2020 (onsite) vs Nov 2018 (offsite). Renting a car from the airport and driving/parking daily to the parks or using the limited 3rd party shuttle service was stressful and a hassle. With the 30 day FP+, we couldn't get FP+ to SDD, 7DMT, FoP so we skipped those in 2018. Couldn't get CRT and some other dining spots too...
Bubble is best.
If we ever drive directly to Disney from (from NJ/Philly area) I'd definitely be more open to stay offsite again but Disney would probably lose us for a few days at Universal, SW, etc.