We're a large family and don't "fit" into a Disney room. So, yes, it comes down to the money, but it's also the space and convenience. When we go, we usually go for 2 weeks, that's a long time for a family to be in a "room". We "own" at Vistana Village, which gives us a full condo - 2 bedrooms, 2 bathrooms, full kitchen, and "free" washer/dryer. PLUS, all the resort amenities (pools, mini-golf, tennis, shuffleboard, etc.). We usually eat (most) of our meals in, but splurge for our "special" meals. To receive the same level of luxury, we would probably be at a deluxe resort, but would need two rooms and have the added expense of eating all of our meals "out." So, yes, it's money... but it's also the "quality" of our homebase.