I'm not quite following why you would spend more in advance instead of earning a tiny bit on the money and spending it when you get there

. If you are going to pay in advance anyway, then at lease save some money in the process. We bought 6-day non-expiry park hoppers from
Undercover Tourist using the link from the MouseSaver's newsletter. I think we saved about $30 off the current gate price which was before the most recent increase. We then used the pass for one day at the MK and upgraded it at the Customer Service window outside the park to the
DVC AP. Once the pass is used you get the full amount of the gate price applied to your upgrade, NOT what you paid for it. So, we ended up saving about $45-50 on each of our APs. The trick is to select the pass with the greatest savings over gate price where the gate price is
LESS than the price of a DVC AP. They will not give a refund if the gate price is more than the cost of the pass you are upgrading to.