I had very briefly toyed with the idea of dropping our on-site reservations at Disney and going back to renting a house. With how things are right now, we could save a lot of money doing that, and due to no FP advantage to on-site stays, there wasn’t an advantage to being on property really (other than the “feels” of it).
But I nit a snafu when I considered the fact that I had an AP. It would mean that everyone else would still be able to get into the parks with their park reservations, but I would only be able to get 3 days worth, and no guarantee I could get the same days they could.
This is very likely intentional. In order to draw in more revenue, in order for APs to be able to guarantee they can get into the parks, they would want to book a resort as well.
So, we’re definitely staying on property!