I personally think it is. I know there are resorts out there that are just as nice but cost less; however, staying onsite kind of gets you into the "mood"... I love the theming, proximity to parks, restaurants, convenient transportation.... And nothing beats FOTL! We haven't been to US/IA in a few years, as for some reason we got "stuck" exclusively on Disney, but prior to that, we always stayed onsite and enjoyed FOTL. My mom always says, loosely translated, that there are as many opinions as there are people, so some will say it's not worth it, some will say it is. I think you should experience it for yourself at least once and make a decision whether it is worth the money for YOU.