Off topic to the original posters question:
"We’re DVC members so we don’t “pay” for our resort "
You do, just not at the time you go. You either paid cash up front, which is still paying and would need to be averaged out over number of nights total stayed during the lifetime of your contract. Or you financed, which would still be paying and you would add interest on to you average nights.
You also pay yearly owners fees, again need to be averaged out.
Back to original question. When we first started going I was a single mother so we went every other year so I could save to pay for it. During the two years of saving we knew what we were saving for so my son and I (who was young) would not eat out a lot and when we did we would share a happy meal. We would just go on long weekend vacations outside of the Disney one and those would be within driving distance and we would stay in budget type motels. Back then the only option if you wanted to stay on site were the MK resorts so that is where we would stay. If they had had the value resorts, it would have made life easier and we certainly would have stayed there.
Since then, my finances have changed and I have a significant other, so two incomes. We became scuba divers, my son did as well. My SO and I took a lot of expensive diving vacations, my son came along when he could and my son and I still did WDW every other year. My SO wasn't interested in WDW so it works for us. As the years have progressed, the diving slowed down (as did I) and we bought a RV. So my SO and I do camping vacations (he is self employed, I'm semi-retired). My son and I do WDW once a year now.
In all of the above cases, (with the exception of a dive trip to Palau) the vacations are never longer than 7 days, usually 5 nights for WDW, sometimes only 3 or 4 for camping trips. My SO can work anywhere there is internet so I've seen him working on a dive boat in the middle of the ocean. We never spend more than we can pay cash for, we have savings set aside just for such trips. We also paid cash for the RV and the truck to pull it, out of savings, since those were non-essential. We still have other savings for emergencies, house issues and, in my case, retirement.
I don't think they amount you are spending is very high given you are flying from overseas and the amount of time you are staying. My son and I just got back from a 5 night stay, one night in a value and 4 nights at the Dolphin. Drove down and I bought 6 day park hoppers for both of us from
Undercover Tourist. I didn't pay rack rate for either resort. We ate at: Tea at GF with added glass of champaigne, food booths at Art Festival (for a total of about $350 give or take) Topolinos, Beaches and Cream, Marakesh. Had drinks and food at LaCava and Nomads Lounge. Had drinks at Ogas. Had a few quick service breakfasts and full service breakfast at Dolphin. I bought a mask at Italy, he a stein at Norway and few T-Shirts, pins, etc. I'm going to guess total for two of us was $3500 to $4000. I paid for it during the course of 3 months so would have to go look at my cc statement to know exactly. I paid for the night at value and one night at Dolphin upon booking. I paid for the tickets the next month. The rest this morning when paying my credit card.