For anyone who is not Christian this is a mute point, so skip this post if you like.
In all areas of my life I strive to use my money as wisely as possible. I have to balance the true function of any one thing with it's opportunity cost. Spending money just because I have it and can would never be my first choice.
In all honesty, if I'd wanted to I could have booked a deluxe resort for our upcoming trip. The opportunity cost would have been not being able to add to emergency savings...but since the money for this trip came from an unexpected source, that was a choice I could have made.
My rules for Disney trips are:
1. Don't pay more for anything than I must. We can sleep in the value resorts just as well as we could at a deluxe resort. For my family, anything over the price of value resorts is just ego massaging. We don't need a bigger room, direct transportation, or someone bowing and scraping before us, so I don't pay for it.
2. Pay for everything up front with cash. Everything except meals and souvenirs was paid for the day I booked our trip. I wouldn't book a trip that I didn't have cash-in-hand to pay for.
Quite honestly, I know that I would have a much less enjoyable time if I was paying for a deluxe room.