My family and I stayed at DLH and GCH on our earliest visits to Disneyland, but once we stayed at the Courtyard we've stuck with it (we've even had the special bunk room on a couple of our trips). GCH in particular was lovely because of the location, but I personally don't feel like there's enough value in staying on-property to justify the price difference. I prefer the Downtown Disney walk back to the hotel, but the Harbor walk to the Courtyard has never bothered me or felt unsafe. We have always enjoyed our stays at the Courtyard, and my kids particularly love the water slides and bunk beds. So, personally, I would choose the Courtyard and saving $3,000. But I can totally see spending the money if the Disney magic/bubble is a priority. Just depends on what matters more to you. Honestly, I don't think you can go wrong either way, you have two really nice choices!