Hey vellamint - we share your pain! My family is also a family of six. The florida law limiting the number of people in a room to 5 always hurts us too. Not to mention - multiplying anything by six results in a big expense! I am the daughter and i have three brothers. We have been going to disney for years! I think the first was when i was two.

. We just started going to universal consistently when IOA opened in 99 (i think that is when it was).
If you are looking to stay onsite - i have found that some times it is cheaper to get two rooms then it is to get a suite. For instance, we are going in June and for the times that we are staying, it was cheaper to get two adjoining rooms. We also get the Annual pass and try and make sure to come back a week or so earlier the next year so we get two years out of it. On top of that, our renewals cost a little more than a 2 day 2 park pass! This saves a little on the admission (spread out over two years) and some on the hotel.
Also - because the rooms are expensive, you could always stay in an offsite hotel for the last night and only pay for one night onsite. Remember that you can use your FOTL on the day that you check out as well! That accounts for two days of FOTL for one night of hotel costs.
For my family, we love FOTL. That is precisely why we keep coming back to Universal. For the cost, we personally feel it is worth it b/c we can ride what we want -and use the remaining time for relaxing at the resort - which we are paying for anyway. Since most of us are adults now - baby brother turning 19 this june - we are no longer the get up early and race to the parks crowd! By the time we hit disney, the fastpasses are almost if not already gone. By the time we hit universal, their express passes were gone as well. So the benefit to us may be greater than it is to other families.
Remember that we are all getting spoiled! We forget that there were MANY years where we spent hours upon hours in line. Money is what keeps the parks in business and if they find people who will pay for FOTL - they are going to take it. I would not take those comments about the "priceless looks" personal. I think that there were times when my family was shocked at the number of times you could "wrap" the people in the main line. I think that was just their way of justifying the cost and was in no way meant to slam or "nanny nanny boo boo" the people that either could not afford or did not find the cost benefit worthwhile.
Good luck! I am here for you too! Oh - and get a lowes card. After a certain number of stays I think you can updgrade to a suite for 35 dollars. Of course they say that if you stay with a Annual Pass Rate you do not get the benefits - but sometimes they give it to you anyway!