[gingles]

Tough question--it's a trade-off. Off-site will always be more affordable and many think that staying on-site feels more like you're a part of it all. We've made a few trips with 5 and WDW isn't very 5-member-family friendly unless you stay in a deluxe. The first two trips our youngest DD was small enough for the trundle bed so we stayed in PORS. Have you checked into buying points for a DVC suite? Sometimes this is cheaper than a deluxe.