You can do either. Just remember that if you take all of your luggage off the boat yourself, you need to take it to breakfast with you.
We disembarked at 8:30am and were in the parking lot, with luggage in hand, by 8:50am to pick up our limo. We put our luggage outside of the stateroom at 10:30pm the night before and just took a day bag with us to breakfast.
Porters are available in the luggage area if you need assistance. They are independent of Disney, so plan on giving them a tip.
Very fast process!
Nancy
8/3 Western