We've done both routes several times. Of course 75 is the fastest and most direct. On the way home from Disney we have driven straight to Hilton Head Island 3 times. It's 5 hours door to door (our HHI condo door not exit 8 off of 95). You can of course take 95n to 26w to 40w to 75n but it's 10.5 hours from Hilton Head Island to Cincy if you don't stop a lot. So many great beaches and towns along 95, you could just take your pick but HHI does it for us.