We went last year with dd and didn't spend anything near 10k. Despite spending a lot on clothes as well as the holiday itself.
Stayed I an apartment near Disney, so had our own base, pool, cooking facilities etc.
Went into Orlando to eat some evenings, enjoyed fireworks some nights. Just relaxed with wine in front of TV some nights.
Disney can be mad, but can be nice, even on mad days. Once you pace yourself and look for the less manic stuff.
We went canoeing another day on the rivier about 20 mins outside Orlando, dd loved swinging off A rope swing on a tree to swim in the river, where we'd glided past turtles, all sorts of birdsm and a few crocs!
We explored cape canacveral and the shuttle Atlantis.
We didn't go to universal as she's too short, slew will go back in a few years. But we spent a half day each at both water parks just chilling.
You can have an awful time, or you can have a magical time. It all depends onwhat your mindset is.
This year, we are going to the rockie mountains to hike, canoe, swim, and enjoy the bears, bbqs and some family time. Just a bit different to Disney. But we will enjoy it just as much I hope.