I am really having the opposite problem. I am splitting my trip evenly 5 days at disney and 5 at universal. Budgetwise, however, the 5 disney days are costing me alot more. Has to do with choices I guess. We are staying at the Polynesean and have the visa rate. even with that it is 70 or 80 dollars more per night that the Annual Passholder Rate that I got at the Hard Rock Hotel. I had to buy one annual pass for around $169 put it was worth it for the savings. For DH and DS I bought the 5 day Universal passes which are less than $100 per person. Total tickets for 4 day PH's at Disney were $600+ versus less than 400 for Universal. In addition, we want to do the hoop-de-doo review and a few other restuarants at Disney that are going to add up. We have an expensive lunch at Emeri's and one dinner at tchoup tchoup but other than that will be using a bunch of the 1/2 price certificate for the meals as Universal. So in total I think the 5 days at Disney will cost me almost $1000 more than the 5 at Universal. I think it really is about what/how you choose to do it.