I think they build in enough time for you to check bags at the airport, but I understand that can a feel a bit of a hassle, especially when trying to end a vacay on a nice relaxing note. Its not called the 'tragical express' for nothing.
I'm going to suggest something completely radical & not for everyone. But, lately I've been requesting a later pickup for DME anyway, because the 3 hours +/- was always ending up 3 hours + 15 min + be at bus stop 15 min early & I was devoting 3.5 hours or more to this bus ride. So, I would turn in a flight number for between 8-8:15. I would arrive at RAC by 4:45 & check my bags, get on a bus around 5:15, get to airport around 6, get thru security around 7 & be at gate with breakfast in hand by 7:15.
But, I'm not traveling with toddlers or granny in tow. We don't need extra time due to medical or mobility issues. I know how to pack my carry ons to reduce TSA time. I'll trade a sit down meal for eating on the plane, etc. etc.
Now, this decision also comes with a soul searching question, 'what is my pain level tolerance for...' missing my flight from MCO? Having my bags arrive on a different flight than me?
How savvy are you at booking an alternate flight if you miss yours, are you going to a location with many flights per day or only one? Were you planning to head straight to work with a meeting with your boss who didn't want you to take any time off or are you planning to go straight home & start laundry & take a nap?
Do you live close or far from your home airport to swing by later & get your bag that came on a later flight? Do you have things in your checked bag like medical, food, etc. that would make delay a problem?