Glad you guys appreciate it, I figured if I was having a hard time deciding even being there 10+ times other people probably would be too.
We were there off peak so the crowds were low, we went mid week the 2nd week of Nov and got on everything in minutes. On the other hand, we have been there when the place is mobbed even before HP so if you check the websites and they say it'll be crowded then I would totally take steps to prevent the trip and $ from being wasted.
My opinion after 10+ trips sharing WDW time with Uni/IOA. I know people like that express thing but comparing it to the perks of staying on site I think it falls short. First, it's expensive & second, it only lets you go to the front of each ride once (unless that's changed but I doubt it). On the other hand, staying at one of the on site Universal hotels for even just one night , which we have done many many times, gives each family member a room key with free unlimited front of the line access for 2 entire days, the day you get there and the day you leave. All you need to do is present your room key to the sttendant at each line and you get a line all to yourself. Personally, I love staying on site there and if it wasn't off peak we would have kept our reservations at the Portofino. We've stayed at all 3 resorts, the Hardrock, the Portofino & the Royal Pacific and all were equally lovely.
Nothing better than strolling right up to the front when the line is hours deep over & over again for my families favorite rides, that's why I'll pay a little extra whch really isn't that much extra if you add up all the express fees you'd be paying realizing you don't even get the full perks.
If the hotels are totally out of your budget then I would probably do the express thing if you expect to be there on a crowded day. Just do yourself a favor and get to The Wizarding World of HP at park opening and head straight there without stopping anywhere else first, even on a quiet day the place was mobbed by about 11. By then I was looking to escape