I'd imagine the average family that does 1 or 2 trips don't know renting is even an option. Anyone using a TA also wouldn't know.
If I wasn't on disboards I wouldn't know it's something you could do.
Early Nov is a great time to go and see the start of Christmas, and I never felt it was too crowded. I also saved very little on any of those trips. The TA would always check when new deals came out but I think the most saved was like 200 bucks and that was before covid.
The days leading up to Halloween the past few years have seemed to have less crowds than thr first part of Nov but you have to be ok with Halloween vs Christmas and if I'm going in the fall I want Christmas. Otherwise I'd go in early September which has tended to have lower crowds.
I'd love to go in Jan/Feb to do
festival of the arts but I also go to Florida to warm up so the potential for a cold snap keeps me away.