I have to disagree a tiny bit. We've rented houses with private pools multiple times and LOVED it. We loved the freedom and that when we we go back to our own house we are completely escaped from all the people. Lots of them have Disney themed bedrooms for the kids & it is very nice to go back to your own house & get in your own pool and your own hot tub and have there be no other people there at all.
Plus, we found it delightful (and cheaper) to carry around phone numbers of restaurants on our way home and to give one a call with our food order, pick it up, and eat it in the privacy of our own home. It made it nice (we have little ones) for them to eat quickly & run around gleefully and not having to sit quietly in a place to eat. And they had their own room in the houses.
Then this year because of
free dining we stayed on site. This was also lovely and delightful. We loved the total immersion. Dh loved never driving. And we really enjoyed all the places we ate. I loved having access to the early morning & late evenings in the parks.
As for time and distance, I think it's pretty equal. The houses we've stayed at have been less than 15 minutes away and with waiting for a bus and walking back to the room, it took about the same amount of time to go back for a nap.
So when we go back this year I am VERY torn about what to do. Free dining on site? Or house rental and peace & quiet? Very, very tricky. It's about the same money. If we had to pay for all our food on-site, then on-site would be more expensive. Decisions, decisions.