We'll continue staying on-site, probably forever.
Have never paid full-rates for a Disney room, and we do not visit WDW during high season, either, so the discounts are off lower season rates anyway.
We did travel to Disney and stayed off-site once when all 4 kids were young. Then a couple of years later, we traveled as a family of 5 (oldest had moved out by then and he couldn't get off work to go with us) We stayed on-site at Ft Wilderness cabins with a 10 or 15%
AAA discount (don't remember exactly what the discount was but it wasn't a huge discount.)
While we didn't care much for the cabins, we sure enjoyed staying on site and getting the extra magic hours advantage. Have been about 12 times since then, staying at all levels of resort (POP, CSR, Ft Wilderness, POFQ, Poly, Boardwalk, Contemporary, Beach Club Villa.) That AAA discount was the lowest value discount we've ever gotten. Usually we're getting 30-40% off the hotel or free dining (which usually works out to a similar discount value on our whole package.)
Would we stay deluxe and pay $500 a night...no way. But we do stay for one or two nights and pay $200 a night at deluxe levels. Doing it next weekend
