We fly to WDW every other month and we always rent a car. I've never waited more than 10 minutes for my luggage. We generally can deboard the plane, pick up our luggage and pick up the rental car and drive to the resort within one hour. Our best record is 45 minutes (it's a game for us). We generally arrive at MCO before noon, but in August it was at 8:30PM and still within the 10-15 wait time. As other's have said, we deboard, catch the train, walk to the luggage claim and hit the bathrooms. By the time we come out it's generally about a 5 minute wait. It's just not a big deal. Keep in mind that sometimes larger things are located elsewhere (golf clubs, car seats) -- not always, just sometimes.