I'll disagree with that. I mean, if you want, you can show up at the airport 12 hours before your flight. Or, better yet, 24.
Yes, "cushion" should be built in. But, assume these are the MINIMUM times to account for:
Travel to MCO: 30 minutes
Check bags: 15 minutes
Security: 30 minutes (no pre-check)
Shuttle & walk to gate: 15 minutes.
Boarding Door closes: 15 minutes
So if you take all of those times (which include some "slop"), you should leave your Disney resort 1:45 before departure. Adding on another 1:15 (so leaving Disney 3 hours before) should be enough cushion.
Now, if it's a busy time of year, a busy time of day, you want to get a good meal, etc, sure, add more more time. But yes, at least in my opinion, you CAN be "overly cautious" when it comes to making your flightd