My DH went through some of the same worries when we were planning this trip...basically I had to sit him down and remind him that, all things considered, staying on-site was a much better deal for us.
If you stay at a Value on Disney property, you can estimate that it will only cost you about $30 more per night than the cheapest-of-the-cheap rooms off-site. When you begin to weigh in the factors such as transportation (Disney has free, efficient transportation - off-site you're looking at slow, scheduled shuttles or having to rent a car), Extra Magic Hours (Disney guests get to spend extra hours in certain parks, off-site guests don't) and sheer convenience (think of all you'll have at your fingertips - food courts, gift shops, swimming pools, picnic areas - a lot of amenities the off-site properties don't offer), Disney ends up winning hands-down.
I hope you can convince your DH to stay on-site this once...because once you do, you never go back to off-site!
