Mom, I don't know if I'd call the rates "too high" - that's a relative term, and whether or not one is willing to pay it.
But from my experience, it's *very* likely that fares will come down sometime after the first of the year. What you're seeing is kind of like the "rack rate". If you wait a bit, you'll find that "code rates" will probably appear. (See, it's all just like finding discounts at WDW hotels!)
If you fly frequently, you may be able to reserve now, and get a voucher when/if prices drop. That voucher will be good for a year from the day you receive it.
(But this may not work if the discount fares are web-only fares. If the phone agents can't see them, they can't apply them to your reservation. I was recently able to get a voucher for my September trip to WDW on Song, but couldn't do it with a United flight to New York in October.)