Family of six here, I feel your pain lol
A bulk of the price for a Disney vacay are the tickets, especially for seven…can you do resort-only? I say this because you mentioned Vero Beach and Hilton Head….We just got back from a three-night resort-only trip we took our youngest son (9) on at the Yacht Club…just did pools, mini golf, cirque show, ate, and did every form of free Disney transportation except a Minnie van lol, no parks, he had a great time!
We have taken many resort-only vacations at Fort Wilderness campground when we had our camper..but you could rent a camper ( can’t use the rewards for the camper rental, so would have to pay for that..about $1,500 for a week for something you could all fit in) and then use the rewards for the site rental (approx $1,500/week, could be less depending on time of year) and the rest on food, golf cart rental, and/or things like mini golf, what previous poster said about movie tickets…during COVID times when there were no fireworks happening, we camped there and took our projector screen and streamed Happily Ever After on our screen outside and bought a bunch of desserts from Disney Springs from the various places there and had our own dessert party lol great memory. Now you can watch the fireworks from the beach. There are lots of free or low cost things to do around the resorts.
If you don’t want to do that, I would probably use them to buy Disney gift cards like someone said if that is allowed before the rewards expire…that way you would have them forever.