...However, when we started pricing it out and realizing that it would cost about $1,000 more just to stay onsite, we just can't justify it. We could afford to but we just keep thinking about how little time we spend in the hotel and how much $1,000 could buy. If staying across the street means we have $1,000 more left in our savings (for next trip!)... then it's a no-brainer for us.
How do so many justify it? Is it really worth it when you aren't even there most of the time? This may shock you all but I'm not even a cheap person!
Just to bring it back to the OP: they can afford it, so this has nothing to do with incurring debt to stay on-site. As I believe I said in my first post in this thread, some of us (many of us?) who can afford to stay on-site choose not to because we don't feel the benefits justify the added expense over cheaper alternatives. I splurged on DLH on our most recent trip and was surprised and severely disappointed that it wasn't as magical as others have shared here. Now, we had a particularly bad experience with poor service, but our uncomfortable beds in the Frontier Tower also were a huge surprise.
Anyway, let's keep this thread on track. No one here is asking if staying on-site is worth going into debt. What prompted this thread is whether folks who CAN afford the added expense feel it's worthwhile/justifiable. Clearly, some do think it is (e.g., stay in the Disney bubble, the special magic touches they have been lucky to experience, the "resort" experience as opposed to not having room service, etc.). Others, like me, don't like pushing past crowds in DTD, don't find the DLH more luxurious/more comfortable, and didn't get great service (let alone any special magic).
I also want to say that there are a lot of people here making assumptions on BOTH sides of this argument. If you have stayed on-site but never off-site, you may be making blanket assumptions about the quality available off-site. If you have stayed off-site but never on-site, you may not understand what you're missing. Thus, I personally take the opinions of those who have stayed in both types of lodging the most seriously.
Now that we have stayed at DLH twice (once pre-kids for a wedding), DH and I know we're never going back to DLH. Everyone deserves a second chance, but at this point, there will be no third chance for DLH for our family. If we stay on-site again, it will only be to try GCH.