We stayed at HRH in June, and the FOTL was priceless! Friends of ours stayed at WDW and drove the Universal for the day when they were there, and we were able to do sooooo much more than they did, mainly because we didn't have to wait in line. They used Express Pass, too, and it didn't save them much time overall. I'd say if this is your only trip to USF/IOA for a long time, it might be worth it to stay on site to be sure you get to see and do it all. If you're planning on returning in the near future, then it might not matter if you miss some things this time around.