Well, we've never been there during the Christmas holidays, but did finally manage to go in November this year. We didn't do any resort tour because we were only there for the first weekend that Osborne lights were on...and weren't sure any decor was up at the resorts yet.
However, we really liked the decor & holiday Christmas windows in the shop windows & such at MK and DHS (loved the Osborne Lights and the Mickey-head rockettes in the store windows-really cute) Epcot tree was pretty, too...we thought it was all very nice, and some was spectacular (loved the castle dripping icicle lights, too)
Guess it's all relative-we thought it was great, but then we never saw it before, so then we couldn't be disappointed by--or miss--what we don't know is missing, if that makes any sense, lol.