I am not getting transfer since i will be in CA anyway for 2 weeks before and will have a rent a car. I may just get a shuttle from the hotel and it will definetly be lot cheaper.
For insurance, i have a decision til the final payment. I do have it for now but it is $125.00 per adult and $75.00 per child. That is money that you can save but on the other hand, we will be on the cruise for 2 WEEKS!! My DH is calling the Insurance comapny that Disney has and will read the clause, to see if it worth it or not.