Fort Wilderness has a lot of amenities. Ultimately, it is down to the experience you want and what your pocketbook can handle.
Depending on the age of your kids (if any), you might only be eating breakfast at the campground. If you have young kids that can't spend an entire day out in the parks (it does get tiring) then you might come back to camp earlier enough to have supper at the camp as well. If it is just the two of you (or if you have older kids) you may want to stay straight through and catch the nighttime shows and fireworks, so probably not have supper at the camp. Also, after a day out in the park, you will be tired and having to fix supper, wash dishes, etc may be more of a task after long days walking in the sun.
We are avid campers and have visited Ft. Wilderness while at Disney, but not as campers. Our reason for going to Disneyworld was to immerse our family in the Disney magic. We deliberately did not stay at Ft. Wilderness because we can and do camp elsewhere. For the same reason, we did not go to the Disney waterparks, because our kids can do that elsewhere. Remember, the only swimming at Disney is in a concrete pool or at the waterparks. While you can sunbathe at the beaches, you cannot swim in the Disney Lakes.
We went to Disneyworld for the unique rides, shows, dining at Epcot, and overall Disney experience. We stayed at the Animal Kingdom Hotel. It is pricey, but having giraffes and other African animals just outside your balcony when you awake in the morning was...priceless.
