I'm more with
@eliza61nyc and take the view of if we can't stay on property, then we don't go. We have stayed off-property and VRBO rentals. We last went as a family of 4 + both my mom and MIL (really don't recommend that combo
) in 2018. We rented DVC points and stayed at SSR--I didn't mind it, it was a
HUGE resort but we were right next to the pool. I have tried for years, to no avail, to get my DH to agree to buy into DVC (we nearly did back in 2003) but given that DH likes to vacation other places and has lost a little of his love for WDW (DLR is another story...that's his new "love"), he is more than happy to rent the points and not be "burdened" with having a DVC resort. But his point is, because we don't vacation at WDW yearly anymore, he will concede to staying onsite renting points for DVC from now on. We have very large teens and a 2-bd works well for us. We don't care for using Disney transportation (I'm probably the only one not crying about ME going away, although I do see its benefit for a lot of people, just not our family). I hate using the buses to get around--I feel they are time consuming and much prefer to rent a car.
I am a little saddened by Disney removing some of the onsite perks that for so long guests enjoyed, especially the evening EMH. We rarely took advantage of the morning EMH and avoided the park that had them due to the crowding it had. But we definitely miss staying at the parks late. The free MB, meh, my DH hated we got new ones every time and rolled his eyes that I wanted to get an upgraded one. I think the onsite parking fee is a bit of tough pill to swallow, still years later. As for FP+, fireworks, parades, shows, entertainment, I can only take a wait-and-see approach to what returns. I have no doubt that FP will return in some form, and fireworks/parades and shows will return when social distancing isn't a requirement.
I'm hopeful some of the magic remains despite this when my mom and I go in April. We are staying on site at YC to minimize the use of the buses (we know we'll have to do it some, but at least 2 parks we have the option to walk). We definitely know it will be a different trip.