I totally agree that you could stay in a nicer resort off-site for a similar amount. We've stayed at several of the WDW deluxes, including the Grand Floridian, and all the US resorts (which are also expensive). Other than the obvious benefit of being onsite, they don't even come close to the
Ritz-Carlton Grande Lakes. We got very lucky with the rate when we stayed during its opening year.
The
JW Marriott, again at
Grande Lakes is also a fabulous property, but a bit cheaper. If you stay at one, you can use the facilities at either. The JWM has a pool with a lazy river and the R-C has amazing spa facilities. All the dining options we tried were great - Norman's, The Vineyard Grill and Fairways Pub (the golf clubhouse) at the R-C and Primo at JWM.
We haven't stayed at the
Gaylord Palms, but we've visited many times to eat. I don't think I'd choose it over either of the Grande Lakes resorts, but it's pretty special and very convenient for Disney (literally just outside the bottom right-hand corner of WDW property). All three restaurants are worth a visit. Sunset Sam's Fish Camp is partly set on a sail boat, on a marina
inside the hotel, Villa de Flora is a good quality buffet and we haven't yet grown tired of the Old Hickory Steakhouse. It's a heavily themed hotel, but not in the homogenized Disney style. I would compare it more with the Portofino Bay at US.
The new
Omni Orlando Resort at Championsgate looks amazing. We haven't visited yet, but we'll probably do so during our next trip in January.