We made the drive up from Orlando to Northern Jersey/Rockland New York area last November on an emergency basis in November last year. Camera battery exploded during TSA inspection, which caused them to evacuate the entire airport, including taking us off our plane, going back to terminal, waiting 4 hours while they physically inspected the entire airport, then everyone having to go back through security...and I mean everyone in the entire airport....only to wait until 12:30 for them to tell us our pilots timed out....and due to it being "jersey week" they couldn't get us flights back until Monday...(it was Friday night/Saturday morning at this point). So we rented a mini van and started driving back home at 1:30 am. Me, my wife, 2 kids (7-5) and my inlaws.
Venting aside, it really isn't a bad trip at all, and I imagine it would be even better planned out. Our rental car cam with the Sunpass, but like Smiley said I dont' remember needing it for the 4W/95 portion of the trip. We of course used it all through the 95 corridor (and I highly highly recommend using the HOV lane option if you can, it saved us some time and headaches.
Again, if you don't have EZ pass, I would definitely get it, as I assume you will taking a trip using some form of 87/GSP/NJTA route, and having the ezpass rather waiting in lines for cash only and having correct change is going to be a lifesaver.
Interesting travel fact, south of NY/NJ, and the border of Delaware, there are no rest stops/restaurants ON 95. There are plenty of opportunities to pull off the road and gas up/eat/stretch legs, but none of the typical North East gas station restaurant complexes built right onto the roadway. That made for an interesting pit stop for an emergency bathroom run at 10:30PM when a sign said food off the exit....and they must have meant way way way off the exit as it took as 5 miles down the road to find a less then desirable gas station/BR.