Agree with Uglyguy.
More on point, and I am not sure how old your kids are, but since you say "kids", one must theoretically be at least 1. I was in probably a similar situation as you, and I was looking into bringing my son to WDW for his first bday. Wifey had her doubts but all in all, the trip was worth it. We went to WDW and stayed at the Swan (I think).
If you do the research about bringing a 1/2/3 year old to Disney, more parents would encourage taking a LO to Disney than not. At least one of the posters on another forum/website said the key on a trip like that is to see Disney through your kids' eyes, not yours... and I could not agree more. Just the look of my son observing all the lights/parades/characters was worth the trip alone.
You can also buy this now, and use this two years later.