If you think WDW is luxury, I've got a bridge to sell you.
Personally, I strongly disagree with your statement.
Family and I have been fortunate enough to go to a good number of destinations and WDW is consistently at the top of the list (and when you factor in size and scope it is head and shoulders number 1.)
The closest Disney level of service/luxury we've had was the Ritz on Maui or the Hyatt on Kauai.
We just did Colorado Springs this summer, "4 Star Windham Resort" was a mess. Numerous times we've been somewhere other than WDW and experienced something that just made us shake our heads and say "how hard can it be? WDW is able to provide "X" with no problem and on a greater scale."
As for what I just learned about Genie(+) and Lighting Lane(+)?
Sounds like the best this could have been.
I liked the paper "day of" FP system over the FP+ "plan in advance" digital system.
So to me (for our family) $45/day ($315 for the week) to have the old FP "day of" access AND an AI scheduling assistant, all wrapped up in my phone for $15/day is a deal.
As for the pay for Lightning+ for Space Mountain and Rise of the Resistance level of rides?
We'll see.
If I have the option of hitting Space for free early in the morning OR buying access later for $6 a head.... sure. If I can go into DHS and try and get a good boarding group and if I don't, drop $24 a head.... not great, but at least it's my call and if it's important to us then we'll do it.
Frankly some (but not all) of this cost will be met by a redistribution of our spending from what we might have done (drinks at Disney Springs, etc.)
I will be mixing more drinks back at our room to walk around the resort with as opposed to grabbing one at the resort bar.
That's ok, I mix a better drink anyway.
As for the rest of the cost?
I'm going to WDW, I know this isn't a bargain vacation. It's like going to NY City and being shocked (shocked I say) that Broadway Tickets are more than a $100 a piece or that a steak dinner before the show is $200 for 2 people... it just is and I know the costs up front.