Personally, I take 528 to I4 to get to Disney... My tolls were $0.75 and $0.50 each way... I left the airport headed back to my apartment (right behind MK) at about 3:30ish, and it barely took me a half hour to get home... not much traffic at all. But then again, I think I might have missed rush hour. Rush hour on I4 can sometimes be a pain in the posterior.
There are other ways to get to Disney... some using back roads (Boggy Creek to 192), others using alternate highways (417, or Osceola Parkway) Osceola Parkway has some tolls on it, but not sure how much. And 417 is like Tolls every mile it seems...