I don't pay full price for anything.. so you know I won't be for Disney.
Me neither!

We book during a discounted time period. I don't plan our trip hoping for a discount. I book a trip when I already know I will get a discount. No way are those rooms worth rack rate!
We just stayed in Nashville at a Hilton Suites that was AMAZING! Hot breakfast included and it was $119 per night. A seperate bedroom and living area. Now take that hotel, pretend it is in Disney and owned by Disney...In that case I would be willing to pay an extra $100...but no more. However, if it were really in Disney and owned by Disney they would probably charge more like $400 per night rack rate. Is it really worth 4x more b/c it is at Disney...no way!
I was just thinking about this on our summer vacation this year. We went up into the White Mountains of New Hampshire. The hotel we stayed at had two queen beds, a huge, shiny new flat screen television, a mini-kitchen with fridge, microwave, toaster, and coffee pot, a good sized dresser and a decent closet. The room was large enough that we had our traveling buddies, who were camping during the trip, over for lunch in our room. We had 10 people and didn't feel crowded. The amusement park was literally walking distance from our room. The main pool had underwater speakers, so it was a "musical pool" very cool. It also had a second pool, a kiddie pool, two hot tubs and tons and tons of activities for the kids. We paid $110/night and that is rack rate.
I kept thinking that at Disney, we would've easily paid $300-$400 night for what we got for $100 at this place! It really, really opened my eyes to how high Disney's prices actually are and what you are getting for the price. Don't get me wrong, I LOVE Disney and we'll continue going every couple of years, but I am a lot more interested than I used to be in all the other cool places we can go for 1/4 the price of a Disney vacation.