Stayed onsite when we could afford it, now stay offsite. My two cents.
Since you are from South Carloina, I would assume you are driving and will have a car. A car is absolutely essential when staying offsite since you will have to drive everywhere. If you plan on relying on offsite transportation, your husband won't like it if he doesn't like waits.
Since you will be driving - add on another $11/day for parking. We have Annual Passes so our parking is free.
Since you will be parking in the park lots, your husband will have waits. For the parking trams. That is the worst thing, in my opinion, about parking at Disney World. Trams are plentiful but the operators will wait for a tram to be as full as possible before they leave for the front of the park. You might be the first to board the tram, but you'll sit there for a while until al the stragglers fill up the tram. On the way out of the park, you will have to wait in line to board the trams and then go through multiple stops until you reach your parking areas.
Here's something to offer as a compromise. Stay onsite (still assuming you are driving). Drive to the parks. You will get free parking since you are a resort guest. You can use the car to go back and forth for naps and then return when you want to. YOu'd still have to deal with the trams, though. Or, you can split up and use the buses which are not that crowded during the day.
If your husband likes to sleep late and you and the kids are up earlier, a Disney resort will have tons of things to do for you until your husband gets up. I'm sure your offsite places does as well but so does Disney.