As long as you're on Disney property, you should be pretty bug free except for the geckos. Disney regularly sprays for mosquitoes. I'm a magnet, and almost never get a bite when I'm there.

Depends on what/how you're booking. Are you getting a package? Room only reservation? There are several good discounters, but you're not going to save a whole lot of money. Probably $10-$15 on a week long ticket.

Have you searched Disney's site for specials? This year, if you're looking at specials, it is actually a better deal to use the 40% off deluxe rooms than to get the dining plan. Look at www.mousesavers.com for the code you need to use to get that 40% off. If you can believe it, the specials are easier to find on mousesavers than to use disney's site. You also may be better off calling reservations than using the website.

Make sure you subscribe to mousesaver's newsletter as there will be a link in it to get an additional discount on tickets from Undercover tourist. It goes out around the 15th of the month, so sign up quickly. If you want, I can email you last month's when I get home.

I'll also be glad to review what you've come up with to make sure you're getting the best deal possible for what you're looking to do/spend. It's a hobby of mine