I can totally understand where you are coming from. Sometimes it's hard to read the DIS and feel that you are not "Keeping up with the Jones" when it comes to vacationing at WDW. I call it "resort creep". There is a trend (for want of a better word) here on the DIS that goes "If X is good, then Y is better!". If going to WDW and staying offsite is good, then staying onsite is better. If staying at a value resort is good, then staying in a moderate is better. If staying at a moderate is good, then staying at a deluxe is better. If staying at the Wilderness Lodge is good, staying at the Polynesian is better. Staying club level is best.
There are always people on the DIS when asked where they would stay always pick the more expensive option. They are re perfectly happy to spend your money for you and convince you that the only way to visit WDW is to stay at a monorail resort with the DxDP. Don't get me wrong! That's a lovely vacation and I understand that many people won't "compromise" and save for years for that very thing. More power to them! But it's difficult for the rest of us to not to get sucked into the prevalent DIS "Y is better! resort-creep" and feeling like our vacation won't be
magical enough unless we stay onsite and/or upgrade to a more expensive resort. And don't even get me started on the coveted Be Our Guest ADR!
Being a DVC member, I totally get wanting to stay onsite. We would not have purchased DVC if we didn't see the value in it. But frankly, if we didn't own DVC I don't think we would not stay onsite again. It's just too expensive now for what you get. We stayed in a 4-bedroom home with a private pool over Christmas 2012 for $800 for the whole week. It was beautiful and just a 10 minute drive to the parks. On our next trip we are staying in a 2-bedroom condo at Windsor Hills for $422 for the whole week. We will only be staying for 5 nights, but it is $61
cheaper than those 5 days at All Star Movies using the AP rate. At Windsor Hills we get to spread out, we have a king-sized bed, a full kitchen, washer and dryer, a private balcony and a pool with a slide and a hot tub. At the All Stars we would have a cramped room, double beds, no kitchen (maybe even no fridge), no balcony, no free washer dryer, a lame pool, no hot tub ... but the Disney Magic 24/7 and EMH and a bus system that we rarely use. We have a car anyway and the parks are only a few minutes farther away than the All Stars.
So ... I guess I'm saying is: Don't feel bad and don't feel you need to keep up with the Jones. Your vacation will be perfectly magical offsite

.