yep, you're absolutely right. We go to Boma every year and we take a bus to Animal Kingdom and connect to the Lodge that way. It's not a bad ride at all. We NEVER transfer at DTD unless it's on the way home and the parks are closed. From Cali Grill last month we were so full after our meal we didn't feel like walking to the MK buses so we just hopped on the monorail, got off at MK and strolled on over to our resort bus. It might have taken a longer time to get there... but it was super easy, fairly quick, and air-conditioned for most of the timeI think the biggest thing about eating at resort restaurants is making sure you know the best route. If you can't handle the buses than yes get a car, but if you can't fit that into your budget... just plan everything in advance and try to avoid transportation questions/decisions being made on the spot. Do your research b4 you get there.
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I agree - we never, never, ever transfer at DD it is too much out of the way unless you are staying at maybe Saratoga. We also take a bus to the theme park closest to the restaurant we are going to eat at. For example if we are dining at any of the monorail resorts or Wilderness Lodge we take the bus to Magic Kingdom. If we are dining at the Animal Kingdom Lodge we take the bus to Animal kingdom theme park and transfer to the resort bus.
Another option is just to hop on the first bus that comes to any theme park and then switch buses to the resort you want to go so you aren't waiting around for a bus to a specific theme park.
If we are dining late after the parks close we take a cab back but usually use buses going