To quote an unknown poster from many years ago... "There is VERY LITTLE magic in a 350 sq ft 1 bathroom hotel room for a family of 4 for a week". I don't remember who said it, but the words are SO true.
We will NEVER go back to staying onsite... Space! Private pool! Game room! Laundry when I want it! Full kitchen! If you go to the right place, fishing right out your back door! Or in other resorts, golf!
Save money? SURE, LOTS, if you do it right... but after doing it for years I would frankly PAY MORE!
What about 60 day fp+, disney transport, parking, emh?
These are valid for sure, but here is our take on each.
1) emh... most guidebooks strongly suggest avoiding emh even if you are onsite... I think if you did it right, they could be helpful if you want to rise that early, or get back that late... but we dont miss them.
2) disney transport and parking... love my rental car. they are usually damn cheap in orlando too. also encourages doing other things like universal or a dinner show like medieval times. if you have the skill to drive in an unfamiliar place, it can really enhance your trip.
3) 60 day fp+... For us, this is a big one... On our last trip I will admit we tried the throw away room reservation at Ft Wilderness. (note that some find this morally questionable.) For 1 $75 night reservation I got... 60 day fp+, 8 free magic bands, and 2 days of free parking. It worked beautifully. I find no moral dilemma, since I paid, and got the perks that go along with that payment... I guess you will have to let your conscience be your guide.
Bottom line? Go for it... I will NEVER forget the fun we had in that private pool with the kids when they were little. Or the foosball tournaments, or the fishing pictures (last year a small alligator cruised by an eyed us while we were fishing). You simply cannot replace those kinds of memories.
Ed