Your daughter is adorable. If I can ever get it together I will post some pics of my Allyson. Listen, Jedi (is that you real name? That is so cool!) how long has your little girl been standing? Ally has been standing for about a month. She also likes to cruise around the couch, etc. I am thinking she will decide to walk really soon, but isn't doing it yet. She stands up w/o holding onto anything but, no steps yet. She just started waving as well. Now she waves to anyone and everyone. So cute, aren't they?!
Anyway, as per your post. Well, if you can't get a deal at Disney (like the Jan. discounts) or you want to go during peak, then I would go and stay off property if it was the deciding factor between going sooner or staying home. Although I personally can't imagine not staying at Disney. But, if it ever came to that then......look out Motel 6, here we come!
PS Wanna know our secret for getting to go often? We make sure DH's employer takes out taxes at the single rate, even though he has four dependents. We figure we could never save the extra $30-$40 a week in a savings account cuz we are lousy savers. And that amount isn't so big that we miss it much. Then we always get a big return at tax time, which we devote to Disney. No using it for new furniture which the kids will wreck anyways, or paying credit card bills which will always be there anyways. We use the money to make memories for our children. It's all about prioritizing, and we have chosen to make Disney a priority for us!