It's easy (for me at least) to get caught up in the excitment of the planning, the discount codes, esp a mail or email code, and reading these boards about folks who only stay in a Concierge room. As much as I would love to do that, and in no way do I feel others should not follow their heart and pocketbook, it's really difficult for me to spend so much for Concierge. I think of what else good that money could be doing...donations at Christmas, or any time of yr, to help those less fortunate etc etc. I cannot afford to do both.
I do love both WDW and DL and have stayed in the deluxe resorts many times over the last 25 yrs (including 3 ngts beginning tomorrow

..) but I feel best when I stay at a moderate (or a value for a quick & short visit). The moderates are beautifully themed and when there is a code, the price cannot be beat!
Every few yrs I treat myself to a deluxe (well, not every few yrs, maybe every other

) because I love having a balcony - it makes even a short visit feel like more than a few days away. And it's so nice to be really near MK or EPCOT & MGM. What's better than walking over or a short monorail or boat ride??? <sigh>
I do not buy the length of stay passes as we would never get our money's worth (no small ones to use the water parks and the pools are great anyway!)...better to buy a multiday and have it good forever..although I really like having the days on my keycard and don't know how that would work when the resort stay is over..anyone know about that???
I enjoy these boards and reading about other's experiences and tips. All in all I think Disney has become incredibly expensive for families - i.e. food prices used to be much more resonable. But, so far, I've not found a vacation destination as enchanting, a resort as lovely and convienent, and the family oriented fun as well done as Disney. The live entertainment can't be beat, almost every CM is gracious...it always takes my breath away when I walk down Main St or into Future World, or see the monorail glide thru the Contemporary Resort.... I hope to be sharing wonderful vacations with grandchildren in years to come.

GF here we come....