We've done both:
http://www.www.disboards.com/showthread.php?t=2272883
You can rent a golf cart from an offsite company, Tee Time Rentals. We paid $280 for 8 days. Much less than Disney. Over on the camping board, you can read about it. You'll also hear folks call it renting from Kenny. That's his company.
The quiet in a cabin is just great. No one above your head or running in hallways. Lots of wildlife and peaceful relaxation.
Food is limited, there is not a food court. But, you can get sandwiches at the pool and take-out after 4 from Trail's End to Go. They have pizza, fried chicken, pulled pork, nachos. All delicious. We got wings one night to go with our cooked dinner and there was about a 20 minute wait, so it can get busy.
We had breakfast and dinner at Trail's End. Both good and they have all the basics. We saw a family come in for breakfast take-out and were very annoyed that the only choices were muffins and other baked goods. Didn't do their research, they expected regular breakfast food. It's better to cook or have cereal at your cabin for breakfast. Many folks don't use the dining plan at the cabins because of the limited food choices. But you can also take the boat to the Contemporary and utilize all of the monorail resorts, or over to Wilderness Lodge for lots more food choices reasonably close by.
You can get a grocery delivery too. We used WeGoShop and it was great. You can look at local food ads and send specific requests from the advertised prices. You pay regular retail and you get the store receipt. Garden Grocer also delivers and they have a more limited selection and pricing, but many folks like them.
You must go into a cabin with an open mind. It's very different from staying in a typical Disney resort because it's so spread out. But it has SO much to do, nightly entertainment at the campfire and movie, boat to MK, Electrical Water Pageant from the beach.
If you have two kids, they can use the bunks and you can go in there and sleep in the double bed too. My husband and 17 yo slept on the Murphy bed and were fine, no complaints. It's so much easier than a sofa bed. Pull it down, push it up in the morning.