If you are not going to get the use of the full day the day yoiu arrive or the last day. I would stay off site for those nights .
For example:
The first night we arrive may 22 we are staying at the amerisuites for 72 dollars including taxes. got this rate from
www.hotelmartusa.com
from 23-28 we will be staying at the royal pacific
28 th we will again be staying off site at the amerisuites for 72 dollars including tax ( Amerisuites are small suites and include free breakfast in the morning)
Maybe u could do something in the same manor. And i would advise to stay off site when you are going to anywhere other than universal. For example if you are going to sea world, or bush gardens , save some dough. And reserve only the nights that you will use the benefits of the on-site hotel.
I figure this way I will save 150 dollars and not have to pay for 2 breakfast meals. probable another 20-40 dollars there.
if staying on site is rally important to you. Econimize where you can. My food budget is where I manage to make the difference. We always eat breakfast in the room. We usually only eat out no more than 1 meal per day. And have sandwhiches for the other meal. I have gotten pretty creative with this part. and been able to save lots of money while still keeping the kids satisfied.
And here is yet another thought why not break up your stay between Disney World and Universal. I have heard fabulous thing about disney resorts. In fact , the one I am hearing the most about right now is the wilderness lodge. I have heard it is very romantic and there is so much to do at the resort with out even going to the parks. But being able to go the parks with just a little boat ride is quite appealing. then you can still get use of those vouchers.