This is our 2nd WDW trip and while we enjoyed on-site last time, this year we are mixing it up. 1/2 on-site (Pop Century) to enjoy all the goodies -- extra hour/
DDP/sending pkgs back to room/AllDisneyAllTheTime/etc.
The second 1/2 of the trip will be off-site. We want to do more than Disney. We have Disney parkhopper tickets for the entire time (adding extra days to a WDW package is pretty cheap); so when Universal Studios closes at 7pm, we can hop over to WDW for a few extra hours.
Yes, we are renting a car -- we are flying Allegiant into Sanford (so no free transports) -- the value of Allegiant gives us the extra $$ to pay for a rental car for the 10 days. Great to have a car to run to a grocery store, outlet shops, etc.
Our off-site hotel has a microwave and refrigerator, so we can eat big or small -- at a restaurant (high-end or fast food) -- or we can pick up fruits/veggies at a grocery store and eat simply.
I agree that you probably feel more pampered staying on-site, but for our family the variety we will have will be well worth the bit of extra work it will take.
As with many families, it takes us quite a while to save up to go on a vacation like this -- and this may be our last WDW vacation. Our kids are getting older and want to go elsewhere (waaaa!!) The plan we've made addresses each member of our family and hopefully will give each of us some of what we enjoy most.