I've done both. Most recently last year, Caribbean Beach for my mom's 60th. On that trip, all of the adults agreed we wanted total immersion...none of us wanted to be behind the wheel, have to deal with traffic, red lights, you name it. But one of the things I like about off site (which I will be doing end of Feb) that hasn't been mentioned is that there is a Walgreen's right next to the condos we stay at. We literally stopped at that Walgreen's every day on the way to the parks. Someone always needed something. Nail clippers...nu skin for blisters...cheap replacement sunglasses...Immodium AD
you name it.
you name it.
We like Wyndham Bonnet Creek too... a more restful escape from the nonstop Disney marketing, yet right next door, to enjoy it as much as we want whenever we want. 
