Already reached it. It wasn't even one thing that Disney did. We were "in the bubble" proponents for 20+ years. You couldn't talk me out of it. Last trip we knew we wanted to rent a car for a couple of days and do some of the non-Disney parks so we booked a split stay in the FW cabins and AoA suites. About a day after we booked, we got an offer from one of the off-site resorts. Since we were going to go to non-Disney parks for that part of the trip anyway, we (reluctantly for me) took that and cancelled the cabin. I spent the first part of that week anxious to get back to the bubble. That's when we calculated and realized several things:
1. Just for the 3 nights we stayed offsite, we saved enough money vs. the cabins (including paying for parking and the rental car) to return to FL later that same year. We have never been able to go more than every other year before.
2. After being anxious to be back in the bubble, I realized how bad the bus transportation had gotten - and how much nicer it was to get into a nice, air conditioned car after a full day in the parks instead of being squashed onto crowded, smelly buses. Not to mention you didn't have to stand around for 20-30 minutes waiting for that bus to show up.
3. Having a full kitchen and washer/dryer in the unit was AMAZING! As was having a full screened-in patio. All for about a third of the cost of an AoA suite or cabin.
This was all right before Disney announced the dog policy, the parking fees, and the room checks. If I was on the edge of seeing any benefit to staying onsite, those announcements pretty much nixed that. We're staying onsite for one last hurrah in November, mainly because we got an amazing deal for the Poly, but I doubt we'll stay onsite again unless Disney comes WAY down in cost.