You asked how you could have made it cheaper....
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We are DVC members and because of that we try to go every 2 to 3 years. We try to save the costs as follows:-
Gatwick airport hotel - stay in an offsite hotel that includes parking for 14 nights and airport transfers.
Gatwick airport parking - not needed if you do the above
Return flights to Orlando (BA direct) - Keep this
Visas - If you mean ESTAs then you can't avoid this
Hire car for 14 days - Keep this
14 nights at Old Key West - Keep this but make use of the facilities and have takeaways or cook for yourselves sometimes (it doesn't have to be hard work as you have dishwasher. Even eating breakfast in the apartment would save you quite a lot)
Disney Dining Plan - not needed if you do your own meals sometimes and eating offsite is definitely cheaper than eating onsite so mix it up a bit
Memory Maker - free if you buy a UK 14 day ticket from Orlando Ticket Deals (also free with Disney this year)
14 days tickets to Disney - Keep this
$200 gift card - ??
One night at Royal Pacific in Universal - stay at OKW and be prepared to queue at Universal
14 days tickets to Universal parks and Volcano Bay - Choose one of Universal or Sea World per trip (but yes I agree with the 14 day ticket as the UK tickets are the same price for 2 days as for 14 days)
Tickets to SeaWorld, Busch Gardens and Aquatica