We paid "rack rate" once. Dec. 2008. It was our first trip, we had never heard of FD, "rack rate" was much cheaper then, and we could afford what it cost and had a great time. Having said that I would not pay the current "rack rate". Our continued trips to WDW hinge on FD or RO.
I do find some people are to hung up on the words "rack rate" and "a good deal". What I'm looking for is a "fair price". If I felt rack rate was a fair price I would have no problem paying it. I don't need a discount off "sticker price" if the sticker price already represent fair market value. Right now I consider a Mod resort with FD for a family of 3 or more to be a "fair price".
Unfortunately for some a "fair price" doesn't always mean they can afford what they want and what the average person can afford doesn't always have a bearing on what a fair price is.