
While I could never be accused of "sitting on the fence"

, I really do agree with everything that's been written.
We were in exactly this situation last year - already booked to stay offsite when I heard I was being made redundant and had a little bit more money to spend. However, we were only in Orlando for a week as we spent the other two weeks down on Marco Island and then the Keys. I had already booked one night at the Hard Rock Hotel since we wanted to have two days at Universal - we'd not done Islands of Adventure before. Our nights stay at the HRH was the best £97 I've ever spent - worth every penny in so many ways, but specially for the front of line access.
But then with this little extra money burning a hole in my pocket, blow all the other uses it could be put towards, instead I booked AKL for 2 nights. We wish we could have stayed all week!
My personal opinion is go for it - if you really would like the opportunity to stay onsite then do it, you'll feel very glad you did. We (mostly me

) thought about it and then some more - half the time deciding it was a waste of money, but in the end we just decided it would be a great experience. We didn't spent that much time at AKL, but the pool was great to come back to in the evening and just looking out of our savannah view room to see the animals day and night was worth every penny, cent, sleepless night worrying if I'd done the right thing.... and then some more. It's a totally unique experience.
I would suggest researching your resorts to find out which one you will get most value from - ie are you likely to go to the parks that day, if so which park and which hotel is nearest to that park, what the transportation system is like - just so you feel you're really getting the benefit of staying onsite.
I started off looking at one of the hotels like the Swan/Dolphin, Yacht Club as they're all on the Boardwalk - so walking distance to Epcot, loads of restaurants nearby. In the end of the AKL came so highly recommended we went for that and don't regret it at all.
We ate at two of the three restaurants at AKL - Mara the foodcourt for a burger one evening before we headed back to Epcot and then Boma for breakfast - outstanding. What made one night special was we went to MK for Mickey's Not So Scary Hallowe'en Party and it was really nice driving back after midnight to AKL so we could continue the Disney Magic.
Happy planning
