I get the whole "why give Disney your money early?" mentality, but for us it's also about budgeting. Yes, we can budget the same amount monthly and just have that lump sum ready to pay when the vacation comes (and we do that for other incidentals of the trip), but it's also helpful to just say "the majority is paid for and now we only have to think about our incidental spending in ports and before/after the cruise." We also pick up Disney gift cards along the way to pay for our balance, gratuities, and on-board spending, because I can either get money off depending on where they are purchased, or fuel points that can add up to additional savings