My family has not done lines. We were heavy FP users and rope droppers, so lines have generally never been something we had to contend with. And that includes Christmas and New Year's, Easter, everything. Other than waiting for a parade or fireworks or some thing, I can honestly say I don't think we have ever waited more than 30 minutes for a ride at WDW and in that case, the posted wait time said something shorter. It would be unlikely that we would ever get in a line that said more than 20 minutes wait, and that would be pushing it.
My family would be miserable if our trips became all about waiting in lines. The phrase "or we can just wait in line" has never (and probably will never) come out of anyone's mouth at my house. Unless that meant 10 minutes!
To answer your 2nd question, we are not commandos. We usually take a BIG break in the middle of the day, every day, and return to do soemthing at night. But not always, some times we just stay at the resort. And we are not late night folks either.