re: Disneyworld vs Universal

Disney is more geared for families with young children while Universal is geared for preteens to adults. However, people of all ages can have fun at both establishments, just depends on what you and your family are in to.
It's probably cheaper to go to Universal than Disney. Universal has non-Florida resident annual passes that are sometimes cheaper than multi-day tickets. However, the lower tiered passes have blackout dates, so check the dates before you purchase if you choose that route.