Cost/benefit analysis time:
On Site: No need for a car, no parking fee, EMH, Resort perks, no parking fees, DDP(would you use it?), THE MAGIC, letting the kids do things that they couldn’t off site, no hassle of traffic, break in the day at hotel easier to pull off. I am sure I am missing some things…
Off Site: Food costs could be lower, more space in the rooms (but you aren’t there to spend time in the rooms), freedom of having a car
For my family ON SITE. For your faimily, maybe DVC renting of points. I think you would find that VERY good.