We've been staying onsite since 2003 and I have never paid rack rate. EVER. And I won't. I love WDW, but what they charge is outrageous. IMO, the values aren't any better than a Motel 8. No way I'd pay that for a Motel 8. I've stayed in true 5 star places for a lot less than what I pay for a deluxe.
I've received a lot of pins this year, but they all black out our travel week--Thanksgiving. I considered changing dates, but with DH's new job, vacation days aren't what they were and I wanted to use those elsewhere. Thanksgiving is 2 days of vacation, our trip would require 6 days any other time. Plus, DS is not longer in elementary school and I don't have a feel for his intermediate school to decide if I want to pull him out yet, and especially with his problems in math last year because his teacher the year before decided not to teach math.

I want to make sure he is fully caught up. but anyhow...
With ticket prices going up... Kids hitting Disney Adult status... The lack of a discount... Limited choices being a family of 6 (even with one under 3)... We're going to try and stay offsite this year. We had a free trip back in 2008 at Thanksgiving that was offsite, and it was closer to the parks than the values or mods. Our cost was going to almost double prior to our last trip, but by switching nothing but staying offsite, the costs are cutting closer to half our normal costs.

We're going to have a Disney-themed, 4 bedroom house with a private pool within 10 minute drive to Disney.
We'll see if we ever go back. Even with discounts.