Sounds like you paid book price on SSR. Try renting from DVC owner you'll save money then you can stay on property.
Stayed in values many times and as long as your on property you get all those extras like EMH and dining plan (sometimes) free parking and just all that WDW Magic. No off site property can compare. It's not just a vacation it's a DISNEY vacation
Oh Wilderness, I wouldn't stay on property even if the cost were the same. That's where you and I differ greatly

. I didn't "pay" book price for SSR, but I did look it up (usually when people tend to say that the extra costs of staying offsite, like parking, negate any savings, which I have just shown is simply not true unless you are comparing motel-style accommodations to the Disney values). From David's Points Rental, the same room (2 bed, 2 bath) at SSR is whoppingly discounted at $538 per night for our dates. Still not seeing where the savings is? I am quite sure that renting points from ANY source will NEVER get that room down to $125 per night, or less.
Before you say "well the villas are often listed at 30% off during special promotions", that would bring the cost down to $500 per night. My math still shows that as being excessively more expensive than a similar size and style of villa at an offsite property.
"No offsite property can compare"? Our family would say you are correct

. The Disney resorts just can't keep up to what's available elsewhere. But that's just my opinion, and my opinion doesn't necessarily be shared by others (like I don't share yours).
I have stayed onsite (for our first Orlando trip, in fact) and can see where people can think that its the only option for a Disney vacation, and why it works for some families. We are definitely the anomalies on this board by not finding value and savings in things like the dining plan, either. If the numbers don't jive, the numbers don't jive. I can totally see people saying "I'm willing to pay more for the feeling I get, or the ambiance" or whatever....but to say its LESS expensive to stay onsite just isn't factual.
"Magic" is found in different places by different families. Disney dining, Disney transportation, and Disney resorts don't hold an appeal for some. If my teen DS and snoring DH had to sleep in the same room for a two week vacation (or for even one night) and we all had to share one tiny bathroom, let me tell ya.....the magic would dissipate quickly.
I am truly glad the OP has found a vacation style that works for
her (but its definitely not the style that works for all). That's one of the many things I love about Orlando in general.....it offers so many options for every family.