Great to know. We are a family of 5, but I am thinking of going when my kids are 11, 4, and 4. We are a family of short people (and the kids are skinny) and we drive, so the kids might even sleep on one bed together or small air mattress will suffice. Glad we don't have to pay .I budget about the same for a Universal trip as I do for a Disney trip. As my kiddo has gotten older and more of a Potter fan, the pendulum has swung from more Disney to more Universal.
Don't forget that you could bring an air mattress to Universal and avoid the $25 fee. IMO, even a cheap air mattress is as comfortable as a rollaway.
It sounds like you are driving, but if you weren't airport transfers might be an unexpected expense. I also tend to have more things to tip for at Universal.
There is other value in going to Universal - specifically, for me, it is a more relaxed vacation.
Is there a resort fee for Loew's?