Yes, you will have to pay at the Dolphin, but if you're a Starwood member & you book now you can receive an add'l 10K points for a 4 or more night stay. Also look into getting one of their American Express cards. Do that & the first time you spend, you should be awarded 20K points. I'm pretty sure the points needed to stay at the Dolphin is 20K per night. And the Swan & Dolphin is just a wonderful place to stay. I know people mentioned not taking your kids to EPCOT or MGM, but as a parent, you will also need some fun time. If you're there before Nov 14, the EPCOT Food & Wine Festival will be going on. Hopefully you won't be there during Thanksgiving b/c the place is PACKED & you & your kids will be miserable. From the Dolphin, it's wonderful to just wander through the Boardwalk and make your way to either park. Besides, there are some really good shows at MGM & also some nice things to do at EPCOT. If you're there for 7 days, you have plenty of time to fit many things in. Make sure you take advantage of the extra Magic hours before the parks open. Specifically at the Magic Kingdom. Get there an hour before the parks open & you can knock out all rides in Fantasyland + others. Toontown is alot of fun, too. Especially for your 3 year old. You can see princesses & also Tinkerbell and the other fairies. The fairies are toughest to see, so if you want to see them, get to Mickey's Toontown fair as soon as it opens (10 am) or expect to stand in line. If she likes rollercoasters, the Barnstormer is great for little ones. Oh & if you take the train, you can get towards the end of the train & ask the conductor if she can say 'all aboard'. My sons LOVE doing that. There's so many other things to say, but not enough room to type. There should be places online that will help. Maybe go to Disney.com to find stuff. When you log in to Disney.com, you can find the calendars of what is going on. Meaning, you can find out what the Magic hours are at which parks & you can plan around those & also when the Magic Kingdom, MGM, EPCOT will have fireworks & what time the parades are.. You can also find out if there are any rides that are going to be down for repair while you're there. Good Luck!! Can you tell we go alot? Before my second 2 kids came along, we'd been 100+ times with my oldest! We've slowed down & we're now down to maybe 5-6 times/year (we have Season passes) =-)