Just a harmless observation but I find it interesting how many feel that anything offsite is "terrible". I haven't stayed onsite, as mentioned, but I've stayed at several offsite hotels and every single one was just fine. When you book the Motel 8, or another hotel that is cheap... you're going to get "cheap", no surprise, but many are fine with that. As long as they have a bed to lay down on after a long day, that's all they need. A few were implying that there's either GCH or Motel 8. But there are dozens of hotels almost as close to Disney as onsite that are WAY better than a Motel 8. There is a "happy medium"
Thanks for all the feedback guys. Of course we all have our own preferences for whatever reasons. I myself would much prefer to have $1,000 more in my savings because we've been down that "debt" road and it totally sucks so we are very careful not to go down there again. For others, that's not an issue, which is great!

Maybe one day we'll get there too