Staying on-site is a bit of a luxury but one that we are spoiled in. The first couple of times that we went (just the wife and I), we stayed off-site and it wasn't fun wrestling with traffic, parking, and the room was, uh, just a room. Yeah, I know that I'm just sleeping there but my wife likes to go back to the hotel and rest after being at a park for a few hours (I, on the other hand, prefer the long marathon days with no letup). So, going back to the resort hotel is easy with the WDW buses and the resorts are fun to just hang around at. The grounds are typically clean with nice pools and places to walk. Plus, as someone else mentioned, leaving at the end of the day doesn't mean waiting in long lines of traffic to get out. Just a short bus ride home. With all of that said, we have budgeted a specified amount to go into savings each month that is earmarked for vacation (Disney or not). As the amount grows, my excitement at getting closer to the goal also grows. Then, it's a matter or finding a Disney special offer on hotel rates or dining.