We have never stayed off site because we want to have the entire Disney feel to our vacation. The convenience of staying close to the parks, waking up and going to sleep in a Disney resort, having food courts, CM interaction...having that total immersion makes it worth it for me and my family. Whether its worth it to you to do the same or if cost wise you are looking to save money for the trip, will determine which way you go. I know many people who have never stayed on site and are fine with that, while others like me would never consider doing so. You have to decide what works best for you, if you can afford it, how it will impact your trip and your family and what you will value the most.