Let me say this: Value is a relative term. Whenever you book a vacation, you take inventory as to what is valuable and what is less valuable. You look at everything and you judge as to what is best for you and your family's vacation.
For instance, I will probably NEVER stay off-site at Disney. The reason why is because I value the ability to pre-plan everything: Fastpasses, EMHs and Dining- especially dining. I'm not trying to save money with the
DDP, but I want to be able to have it all planned ahead of time.
Oh, and the real reason why we are going in a month is because of one feature: Memory Maker! See, my DW is a scrapbook designer and pictures are extremely important. Now THIS feature IS a money saver because we will take about 40-50 pictures per day. It's her passion. Let me tell you: we were on a Carnival cruise ship and took pictures. Our PICTURE bill was almost $600! (Thank God we don't drink alcohol!)
But getting back to paying on-site, I can save money by going off-site, but I don't think I would have a better time. So we've weighed our options and believe that we will pay a little more to have the kind of vacation that we will value.
On the other side of the spectrum, we only stay at value resorts. We never stay at resorts that are moderate or deluxe. The reason why is because if our room is clean and there's a bed, we are all good.

We probably spend a total on one waking hour in the room, so we don't see the value of paying more, with one exception: The buses. When we are to go back to the resort, the bus situation can be hectic and tiring. But is the ability to get on the bus quickly worth the money for a moderate resort? To us, no! But that's our decision!
Now let's look at when we go to US/IOA (which we also go pretty often.) We NEVER stay on-site. We always try to find the cheapest thing we can sleep in from Hotwire when we go. Why? Because the value in staying on-site doesn't outweigh the cost to us.
But watch this: When you stay on-site at the US/IOA resort, you get that FOTL access. For the rest of us, you either pay more or you stay in those lines. And we can complain about the lines if we want to- (I've seen 3,4 and even 5 hour lines before at US/IOA.) But if we do, it's kind of silly because if it was really that big of a deal, I could have just paid the extra money and stayed on-site. Or pay for the FOTL access.
So what do we do when we stay off-site at US/IOA? Simple- we come to rope drop and ride the rides we really want to ride first. And that's the same thing I would have done if I was to stay off-site at WDW.