Yes, it's 3-4 hrs from resort checkin. And I usually allow 90 mins from gate to resort. As mentioned, I seldom book anything for the first three hours after I arrive at my resort. I've had flights delayed for 3 hrs. Sure would have hated having to pay for something I missed while sitting on the plane!!!
I'm one who does pack a carryon with things I might need. The one time I didn't? I was heading home, from Florida. Our flight was diverted to Philly (instead of Providence)..it was NYE day..should have been home by 2pm! But, landed in Philly at 3:00. Were told that we had two choices....
1. get off, get a room, and have our checked bags remain on the plane. Get a flight out first thing in the morning.
2. stay on the plane, return to FtL, get a room for the night, get checked bags and book a flight out first thing in the morning.
Well...I was heading home. I didn't have anything in my carry on bag!!! Not one toiletry. So, we flew back to FtL....3 more hrs on that plane. SW paid for nothing..not our dinner that we had to grab at the airport in Philly, then bring back on the plane. Not our room for that night. Nothing.
Now, I always have toiletries in my carry on bag, a tee shirt that I can either wear to bed or change into, fresh underwear. You get the idea. If my bags get misdirected heading to WDW, at least I can freshen up, have a swim, change my clothes and head to a park. I have all that I need in that carry on bag.
I have had my bags delivered to my resort room almost as soon as I arrived. But, I usually just go to a park, and when I return to the room, the bags are there. Only once has it taken 4 hrs to get to our room. Well, other than the time we changed resorts but Disney couldn't seem to get it fixed in their system, and our one checked bag sat at the original resort for 6 hrs!!! Took many calls to fix that one...after they said it had been fixed at the DME kiosk at MCO.