Hi there Alexa!
While I'm not a Florida resident I have found a great link for you to study the awesome benefits you receive as an Annual passholder. Here is an excerpt from the information page about room discounts:
Walt Disney World Resort hotel room discounts: Periodically, a limited number of rooms may be made available at select Walt Disney World® Resort hotels and select Disney Vacation Club Resorts at discounted rates for Passholders. Visit disneyworld.com/passholder or see your Mickey Monitor newsletter for special offers.
Basically, the resort discounts would be beneficial but not only that, you also get discounts at restaurants and stores which could be better deal in the long run than a package.
So you may come out ahead by buying the annual pass rather than taking the package deal. I hope this information helps you with your planning and if you have more questions, please ask away, we are always here to help! Have a Magical Time at the Walt Disney World Resort! Thanks so much for asking the Moms Panel!