For a 12:30 flight, you will want to be at MCO by 10:30 or so, certainly no later than 11, and even that is cutting it way too close.
So, DME would pick you up around 9:30 or so, give or take 15 mins either way. If you take a cab, or car service, you would need to leave your resort by 10-10:15. That gives you an addlt 45 mins, tops vs taking DME. Not sure I would do that.
Besides, if you are planning on using RAC for your checked bags, and your boarding passes, you need to be there, and done with your checkin, no later than 9:30am.