I know how you are feeling OP. I have gone to WDW once a year since 1998 and have always spent the majority of my trip at an on property resort.
We are flying from Oregon to do a 5 day cruise and then 5 days at WDW. It will be me and my sons, 17 and 20. The kink in the plan this year is that my dear friend, her boyfriend and her 21 and 22 year old sons are joining us on the cruise but really aren't sure if they can afford to do Disney post-cruise.
Even with the Values only be $78.00 a night, with 4 young men that are all over 6 feet tall, sharing a double bed isn't really a comfortable or realistic option = they would have to get 2 rooms, so double the expense.
Soooo, I have started looking at off site rental homes. We can get a 3 to 4 bedroom "home" for 4 nights for around $400.00. Split 7 ways makes it quite affordable plus with a kitchen we could eat breakfast each day and pack snacks/drinks for the parks.
What is
killing me is the thought of no late extra magic hours!!!!

It's what we live for. Especially during hot August it is so nice to visit the MK until 1 or 2 in the morning when it is cooler and less crowded.
Plus, with 7 adults and 10+ suitcases, we will have to rent 2 cars for 5 days + pay for parking at WDW each day x 2 cars and no free Magical Express to/from MCO.
By the time I factor in all of the extra expenses and lost benefits (extra magic hours) in addition to being off property, it makes me

and

.
OH, and did I mention how
ANNOYED I am that Disney isn't doing free dining this year?!?!? First time in like 8+ years that we will have to pay for our food. UGGH!!! Staying onsite would have been a no brainer if we could have had free dining but no chance of that now. Double uggh! Ok, done whining.
Gina