Funny thing is, I thought of you and the cabins when we were there - i can't imagine paying out of pocket for a room like that or ours. it just isn't feasable for us. they have financing packages available to you, but you could always find your own financing, just like when you buy a car. You have the option of paying for it all up front, or a big chunk of it, if that works out better for some people. They're pretty flexible about it.
The way we looked at it, was she's young still, and we're SO going back to Disney manymanymany times in the future. It's a great savings, especially if you get rooms with kitchens and stuff. i don't know how we could have done it with her naps in a normal room. One of us would have had to sit there in the dark while she slept. :dazzle:
Seriously, go on the tour when you go down ther again. They're VERY loose about it. it's not like any other timeshare presentation I've ever been to. NO pressure, and I MEAN that.