Caveat: I have not read the entire thread.
In comparison to other parks (I did a Universal trip recently), I think Disney is in-line with similar experiences.
In comparison to general travel, I think Disney is expensive. Room rates generally exceed what I believe would be market rate for those hotels. For example, Contemporary, GF, and Poly are constantly way overpriced. IMO, there are only a few hotels that are priced fairly for what you get.
That said, I still enjoy Disney and do it every year. But I make sure that the vacation budget isn't just Disney.
I think it's impossible to compare Disney hotels to whatever the market rate is. They don't compare. If I figure in the free transportation to and from the airport, free and very consistent bus, boat and monorail transportation around the massive property, multiple pools at most resorts, food courts, full service restaurants, extra magic hours, FastPass booking 60 days out, amenities galore and star service, not to mention close accessibility to the four world class parks - there's no way any other hotels can compare because they have so much less to offer.
I have looked up and down the east coast for a resort that offers as much as you get when you stay at a Disney resort and it's quite simple why I can't find one- there are none. Yes the three hotels you mentioned are expensive, but they're the flagship Deluxe hotels and will always be expensive. But even still, going back to a comparison I made in a post earlier. My Cape Cod hotel on the beach was $409 a night. Nice enough hotel. Postage stamp sized pool. We were charged a $25 resort fee which claimed to be for the WiFi, pool, tennis court, beach chairs and umbrella service. That was the market rate for the area. Once again, nice enough - on the beach and all that. The Yacht and Beach typically run around that price when we typically stay in summer - less when you factor in the room-only discounts usually available which got us Yacht for around $349 last summer. The luxury, amenities, pools, transport, access, service, etc. at Yacht are so far superior to where I just stayed on the Cape or anywhere else I've stayed for that matter. You're getting so much more for your money at a Disney resort.
Once again, not cheap, but so much more bang for your buck and I've looked all over. Hilton Head, Virginia, Hershey, Jersey Shore, Montauk, Gulf Coast, up and down the Florida coast. There's just nothing else out there like the Disney resorts. So, I think a fair comparison can't really be made.
I'd make the argument that a resort like Port Orleans offers more than most other resorts out there for much less money. We've stayed there 5 times. I would put Riverside up against any of the other places I've looked at or stayed at as far as bang for my buck.
Heck my daughter is in college in Boston. It's astounding what they can get for hotels up there at certain times a year. $500 -$600 a night isn't uncommon for a high-rise chain hotel in the city. And what are they giving me for that price? Maybe a pool? Maybe a small gym and restaurant? I know it's apples and oranges in this case, but the underlying principle is the same.