Hi!
We are going to WDW in November. And honestly I have been to WDW Many Many Times with my parents growing up and never stayed on property. But since I've been married with kids we have never stayed OFF property and would never ever stay off property if going to WDW. Your vacatin starts at the airport with Magical Express and ends at the airport with Magical Express. We've never stayed at a value, only at a moderate, Carribean Beach and then in 2003 we stayed at Wilderness Lodge and this year in November we are staying at Animal Kingdom.
But if you have a lot of questions and can't decide, join this group on Yahoo Groups, here is the link: http://groups.yahoo.com/group/TheMouseForLess/
You can ask a ton of questions and get a ton of help!!
Also, www.tourguidemike.com is an awesome site to help plan your days while your there.
And okay, another thing. If your going to WDW and need to book your vacation, book through a company that only does WDW, like The Magic For Less Tavel, they are awesome. They saved me $1,000, just by leaving on a Sunday versus a Saturday. So that pays for our airfare and disney dinning plan.
If you need any more help, please just e-mail me privatley, I'd be more than happy to help you out!