On-site allows for the
DDP, charging to your room, that "disney magic" that everyone talks about, no parking/car issues and magical express among other benefits like the extra hours
Disney hotels are just too expensive for us any more. We used to stay exclusively on Disney property. Not any more. I just can't justify spending that kind of money on a hotel room. I'm not willing to pay $99.00 a night for a tiny room at a value resort, when I can get a suite with washer, dryer, kitchen--the works--for the same rate (Actually, we're paying $95.00 a night for our trip later this month!).
I'm not willing to call every day to see if special rates are available at Disney. I've been going to Disney since 1989--almost every time at a Disney hotel. I've yet to receive a special postcard, offer, or an upgrade. We get upgraded almost every time at Hilton and Best Western hotels. They're awesome!
We rent a car so that we can all have a seat at the end of a day. AND, the walk to the trams is much less than to the bus stops--with the exception of the Magic Kingdom. I've never had an issue with parking. Not sure what this means? Even paying the $10.00 a day brings my costs to well below those of a moderate--and just a bit above a value.
We used the dining plan in June. Never again. It was very stressful worrying that we wouldn't make our reservations on time, making sure that every day was planned to ensure best use of the plan. Plus, Disney food has lost it's lustre. It used to be really nice, now it's like Applebees or Olive Garden. Nothing wrong with either one--I like them both. I could vent for hours on this topic, so just suffice it to say that we actually prefer counter service at Disney with sit-down meals off site.
We have no interest in EMH--we can see everything during regular hours.
The only benefit I ever used was having things delivered to your resort. It was a convenience, and something I can live without. If I want something that I don't want to carry around, I wait and purchase it right before we leave or run it out to the car.
I don't need to stay onsite to feel the Disney "magic." That happens as soon as we drive onto the property. That NEVER gets old.