Some like me shared the same mindset. Could I afford deluxe ? Yes but we choose to either stay off property for less and splurge on other aspects on the vacation. A hotel room is a place just to sleep for several hours a night since most of the time we are out enjoying what WDW has to offer.For me, its not the actual dollar but the value. We earn in the top 5% of wages in America. We can easily afford deluxe hotels and genie+. I just don't see the value in them. 20 years ago when I made 10X less money than I make today, I didn't think twice about splurging for deluxe. Today, I pick moderate hotels mostly based on the lowest price.