We don't go to Disney often, once every 8 or 9 years. We travel different places. So when we go, we like to do it the way we want to. A longer trip, and staying deluxe. (just my preference, we spend time at the hotel)
In a discussion today, a friend was debating going now and staying at a hotel she really didn't want to, or save up and go next year and stay where she really wanted to. I told her how I would do it (save up).
Would you go now and settle for less in the hotel (in your mind) or save up for what you really wanted?(meaning you could want deluxe, moderate, value, off-site, whatever!)
If I couldn't afford the place I wanted (Beach/Yacht club or Polynesian!), I wouldn't go until I could afford it.
One thing that I haven't seen mentioned is that if you wait to go you end up paying more because Disney raises the rates every year! That might be a reason to go now instead of waiting.