This is one topic which I can say a lot about! Flyerwife - you've been to Disney more than me and I thought we were bad. I think we've been 11 times in 8 years. And yes, I do wish there was some way to earn points/miles other than the old credit card!

I'd completely agree with flyerwife about staying on-site if you have young children. (Last I knew Disney discontinued the early entry hours for on-site guests as a cost cutting measure.) But the ease of just going back to your hotel in 15 minutes is great. Also, the Disney staff really do work hard to make your vacation pleasant.

About pricing - you folks have been paying way, way too much! Last spring I paid (inc. tax) $175/night for the Polynesian concierge and about $30/night less than that for a savannah view room at the Animal Kingdom Lodge. Check out www.mousesavers.com for some ideas on lowering the prices.

Other than using an annual pass to lower costs, my favorite tip is to call Central Reservations just after 7 AM eastern time. If you don't like offerings, call back. If you think you *might* want something, make a reservation. You can always cancel and Disney is very good about it.