For the OP the 130 seems like the insurance, I know you said you requested without, but I would double check, they like to always add that. Otherwise I am not clear on what is happening as I have not had a quote higher when we looked at several different dates.
As for all the we got a discount-they did not, it all has to do with dates and room type/availibility. Now that Disney charges different for different nights they can even discount only certain nights of your trip. Certain dates there was no discount. For the folks at WL it was a difference in your room type. If you want to know for sure what the room rate rack is, go to the web site and book a room only--not a package and it will show you what is charged for each night of the trip. CMs will keep answering no room discount because for many dates there is not and if they told you yes this package has a room discount and then there is not one for your dates you will be frustrated. For those whe already had the fall discount and then are confused why it costs more with the "FREE" dining it is because you have to forfit your origional discount on the room part of you package (which is what was discounted). Paying 200 or 300 more than you were and getting the dining may be an even better deal when you add in what it will cost to feed your family for the week. Depends on your eating and travelling style. The DP was still added for free.