I have been to Disney 3 times. 

I went in 1986 with my school marching band - no decked out photos from that visit.

We went in 2007 with our 3 children - and were very casual that trip.

My husband, Mark and I just went in August of 2008 and the only "decked out" pictures of us were at the Polynesian Resort when we went to to the luau for our 16th wedding anniversary.