I'm going to be the opposing vote.
Unless we are scheduled to land after 10:00, I do not get my bags, no matter how late we land.
I have no need my bags for the night, everything I need for the night and next day is in my carry on bag. Since I have no need for my bags I see no need to go get them. I'm not going to use them till the next day no matter what. I call and have bell services hold the bags till morning.
If, something happens and the flight is delayed and we do land after 10:00 PM, I can make the choice then about going to get the bags or letting them go ahead to baggage claim.
I got to witness how that process works last year. We had a flight that landed after 10:00, as much as I try to always avoid them. While I was picking up my bags there were numerous bags with yellow tags coming through. I assume since it was close to 10:00 these are likely from guests who were delayed in transit. Anyway, I watched the process the airlines use for them, and asked a few questions while waiting for my bags.
Each airline sends someone out to gather bags left on the belt. This is SOP, not just at MCO for Disney bags. There's always bags that are unclaimed. They bring them all to the airline baggage office.
The difference is at MCO, they have an area where all the bags with yellow tags are stored for the night, together and semi secured, waiting for the Bags, Inc employees to return that next morning. There is someone designated to go to each baggage claim office and retrieve all the bags that arrived after 10:00 the night before. They are then routed on to the resorts.
While the bags did remain in semi secure areas they weren't locked up and they are left on the belt for a while before they are gathered and taken to the office. I'm not crazy about that so most likely I'll grab my bags anytime we land after 10:00 unexpectedly