Another frugal one here!!
DH and I didn't take a real vacation for 10 years - instead we had "working vacations" at home. Then we had twins and our lives got nuts - it seemed like we lived just to take care of our kids!!
In 2001 my mother saw an add in the paper for the WDW Kids Stay and Play Free program and encouraged us to go with our then 3 yr old twins. We did and have never looked back. In fact, we've gotten hooked not only on WDW but now
DCL too!!
In order to fuel our "addictions" as a family we've learned to "do without" in other areas bigtime and our trips make it all worthwhile. We've done so well that at times it feels like the trips almost "pay for themselves" (ok, that's a bit of a stretch, lol, but really - it isn't too, too painful to save).
We've had, like so many others here on the boards, some of the best times of our lives on our Disney trips. This year I found out I had breast cancer. I've finished treatment and they predict I'll be ok, but it really made me realize how fragile life is and how important fun family times really are to everyone. I read here somewhere that vacations "feed the soul" and I do agree with that.
With that said, I think you and your family will really enjoy the cruise. Is it a PERFECT vacation? No. But it is damn near close and incredibly enjoyable!! That MUST be why a good many of us rebook while still onboard!
I don't know if you and your family take many vacations but if you like WDW you will love your cruise on DCL. Just think of it as an investment in family togetherness

(and consider other ways to save in the time leading to your cruise so it doesn't feel like such shell shock). I agree with the other poster above that maybe you could cruise in January instead of March, the prices are quite low then. And if it were me that would be my kids' Christmas gift that year - hey, it's a great gift, one not too many kids are fortunate enough to get!!
Good luck in your decision making...
P. S. We are going in 2006 also again with 3 other families we met here on the Disboards and also some friends from home are coming as well. Everyone is SO looking forward to it! Can't wait!!!