Very same boat.
Every time I even think about it, it only lasts a few minutes because I just can't justify spending that kind of scratch for the current offerings and restrictions (even if they have started to walk those slightly back).
And then I think about Universal, which is like half the price. But I'm like...while I'm ok with that (spent plenty of time at WDW in my life), my spouse has never been, and it's like - how can we spend a week in FL and not do Disney?
We are both working class folks, and even without kids, the price of a one week vacation at WDW right now is about the same as a year of utilities for our house (which is a pretty high number, considering we live in the Northeast and have fuel costs for heating half the year in addition to water, electricity, etc).
It's this never-ending circle of when I think - well, we could sacrifice a little and just swing it - but then it's back to the reduced offerings, all the Genie Plus/LL nonsense, etc. - so...we just don't go, period. It's really sad, honestly, and I can't imagine we are alone.