We haven't yet stayed at fw, but for us the "Disney Experience" is worth the expense. We are Disney Vacation Club members, and have been wanting to try Fort Wilderness for awhile now. We have stayed off-site when we run out of points, but we really do enjoy disney and the resorts. The way we do our trips it's just a very calm relaxed way to vacation. Last trip we were in orlando for business so we rented a 4bed at Bonnet Creek. Very nice, but just doesn't have the disney feel for us. I would recommend BC to anyone though, great resort.
This is our first year wth the camper and I know the kids are going to be missing it by February, so it will give us a nice break mid-winter. Thinking about extending our trip a week and going into south Florida a bit.
As far as cost goes, we are fortunate enough to have company vehicles and fuel, so that helps a lot. Unlimited time off helps too