I am a DVC member now so I don't have to worry about it, but from 1989-1998 I would gather all kinds of information for our annual trips. I would check with travel agents, disney packages, and doing things separately. I always found doing it myself was cheaper. I check frequently for air and car rental rates to get good ones and look for discounted rooms. Usually the AP discounts are really good. The one thing packages do have is the convenience of not having to do it yourself, but you are usually paying for it. Happy planning.
Shelly