is a personal option. If you don't like to, don't. If you want your money to gain interest in your account, get the interest.
Some people prefer to pay as they go and others prefer it to be taken care of before they get there. Some people feel if Disney has the money, they can't spend it (they have trouble saving). Some people believe if they do it now, they won't regret it as much later (a little here, a little there and WOW a great vacation.....how did we do that again?)
It's a lot like Christmas shopping, you know you have to do it EVERY year. Do you wait 'til Christmas and let your money gain interest or do you buy throughout the year when you see something you know someone would like/can use to give to another at Christmas time? If you wait, the expense seems large and all at once. If you spread it out, you may get bargains you couldn't later (and vice versa) and it doesn't seem like such a big chunk of change in the end. EVEN if it costs the same!
<color=purple>There is nothing I can say to convince you if you already are opposed to doing it. </color>
There are just some who know and believe in Disney and maybe (?) some can be satisifed more easily than others. Disney is not in the business to have unhappy guests. I have been dissatisfied, but have NEVER left the resort and the problems have been rectified quickly. Some even resulted in "freebies" that were not necessary. I am sure it depends on the presentation as well as to whom you present the issue.
BUT, they have been perfecting this thing since 1971, that is why there are so many different resorts and different levels of CM's.