I gotta say....that annual pass deal of 2012 ruined me. We had a plan for
DVC and usage....and that AP blew it up. We are OUT of points until June 2016....but that isn't stopping me. Used the last of our 2015 points in Sept to take a spontaneous 3 day trip for the wife AND kids bdays. (3 birthdays in 3 weeks). Spirit offers rediculously cheap airfare for us at times. We have transferred points in once.....and have convinced our friends to take us on their points for a 3 day weekend in Jan by showing them how cheap it can be done with the airfare. I even have a countdown timer on my phone for each trip on the home screen....keeps me motivated.
As to the "Can you get Disney'd out?" Yes and no. After the summer trip using up the last of the AP....I can say I'm Disney PARK'd out.....but I don't think I can ever be over saturated with a resort stay.
And how will I get by until June 2016 (without borrowing of course....) A planned stop at DLR when we go out to California this summer

I actually love the parks out there better and it will have been 3 years since we were there last when we are out there.