First and foremost aplejax76.... Welcome to the DIS.....
The packages at WDW are created to make things a little easier for you, it isn't to save any money, and in some cases, it costs more then if you would have made a room room only reservation and paid as you went.
Before I purchased a DVC contract, we always went with the Grand Plan or whatever they are calling it now-a-days. For us it just made things easier but it always cost more then if we would had just gone the pay as you go...
Cost the vacation out.. room only, entrance media, budget for food, drink, a t-shirt here and there and then see if you save any money using one of the packages... remember you can advance purchase your park tickets and that will save you a buck or 2 as well.