We have already booked flights and car hire for a 2-3 wk trip to the states but we are struggling with the cost of hotels. We are a party of 5 and we can source them online for about £4500 but a travel agent can do most of it for £6k. This seems a lot more but she has scared me with talk of protection and the knock on effect if things go wrong - hotel folds etc - by doing it ourselves. Any thoughts?