Well, wiht a large family, $400 can buy some meals--but I just love the total disney experience, it's really hard to stay off site. Let me just give you an example & yoiu can see the plus & minus of staying offsite. My DB has DW & 5 children (9 & under), so similar in ages & numbers! We all went down in Feb-I stayed on site, they stayed off site near Celebration in a rental home w/pool. That was a great plus for them--the kids wound down everyday in the pool & they didn't have all pack up & walk to the pool, they went out their back door. Of course if you are staying in a condo, the trek to the pool may be the same as staying on site. The biggest thing was having to pay everyday at the parks for parking ($7) & the traffic getting there. W/ no traffic they were only 15 minutes away. With traffic it could take 45 minutes or more! They always gave plenty of time to get there! Some people like knowing that they set the time they leave & don't ahve to wait on a bus. I like not worrying about traffic & the bus drivers can always find another way around an accident. (I was on the bus one night when there was an accident & he was notified & sent another route) I am "directionally challenged" so if I had to find another way it would have been very frustrating. Also, a really cool thing about staying on site is getting the wakeup call from a Disney character! Can't get that off site--just another bit of disney magic that the resorts offer. Is it worth $400+?? Only you can decide! But enjoy the wonder in your children's eyes--that why I sent w/ my brother & family & was I ever rewarded! ( my kids are older, so the wonder is "different!")