Personally, I feel that
Disney vacations are outrageously expensive, especially when we've gone to Europe for a lot less, but now that we have a son, I think they're worth it.
I budget like crazy and we're close enough to drive, saving us airfare and car rental, so I don't think I could give you an accurate comparison, but I would suggest to keep searching since you have time. I hear it's always cheaper to book everything separately. As tidoublegger mentioned, we shared a huge villa rental with our family once, and the whole week cost us less than $800.
I've had good luck with Expedia, but I've only used it for off- property rooms. I also check travelzoo.com for Orlando specials.
We're going in September and I'm saving $150 for each Disney resort's night stay and hopefully a room discount code will come out for the Fall. There wasn't one last year because there were package codes instead, but I heard there was one the year before , so I've got my fingers crossed.
Also, I always try to pay for things in advance, so that I can enjoy the trip without sticker shock, so maybe that alone will help you, lol. Good luck!