I was a die-hard onsite person until I took an extended trip (2 weeks) in December. There was no way I could afford to stay onsite for that long, and really needed to be able to settle in so my two kids could do remote school and I could work for a few days. We spent 6 days in the parks, driving, and I was stunned by how little I missed being onsite. The
value you currently get with Disney hotels is not great. Now, if I was going for 3-4 nights I WOULD stay on site for the convenience and theming as I don't mind using a hotel room for a short stay. But the amount of space and amenities you get with an offsite rental (full kitchen, private pool, separate bedrooms/bathrooms) is umatched for the price, and that's the direction I will now always go if I am staying a week or more.
That said, I am not sure that I would stay in an offsite HOTEL room even for a short stay. It was the full house (or townhouse) that really made it great and easy. If you do an offsite hotel, you have to factor in the cost of resort fees and parking and weigh the total cost of the stay at that property vs. at Disney and see what makes the better value for you. If it was only marginally more, I'd choose Disney (for convenience and theming). The Bonnet Creek resorts (Hilton, Waldorf, and a new JW Marriott) are good ones to check/compare if you are looking for a "deluxe" property (they are a little newer/nicer than the Disney Springs resorts).
Another aside, for a good value "on property" you can check the Wyndham Bonnet Creek timeshare resort (via VRBO) which is right next to CBR. What you lack in theming you make up with a full kitchen and separate bedrooms and bathrooms (priceless

. You do have to either drive or rideshare to the parks, but even without a car and staying onsite, I frequently use Uber/Lyft anyways for the convenience. Ever so slightly further and off property, there are countless rentals in Kissimmee (e.g. Windsor Hills).
Good luck with your decision making!