I live just outside of Daytona Beach, and when we go to Ft. Wilderness/Disney we take I-95 south to the Beachline Expressway (SR528) (near Cocoa), it is a toll road, then pick up the 417 (the Greenway / also a toll road). You can always take I-95 to I-4 then pick up the 417 in Sanford, FL if you prefer. You will miss all that traffic on I-4, which takes you right through Downtown Orlando and is very heavy in traffic. The 417 will take you right to the Disney exit. They have 2 exits for Disney from the 417 and you can take either exit, but we take the 1st one, which is exit 6 for the Downtown Disney area/Epcot. It actually takes you to the same place as the other exit, but it is a lot quicker taking Exit 6. I think the toll roads are well worth it, and they don't have near the amount of traffic that I-4 has. There really is no difference in time going I-95 to the toll roads or I-4, unless you get stuck in traffic due to an accident in Orlando on I-4 and that is a daily occurance.