Even if you are the last off the ship - it will be between the 9 and 9:30.
The biggest delay in getting out of the terminal is waiting for Ground Transportation. We always rent a car - and we have wasted up to an hour for the shuttles to come through. Apparently, they are there but security doesn't let them enter (or so they say
We have booked 11 AM flights and made it.
If you do this - you must - carry your own bags off the ship - don't risk your bags being misplaced and time spent looking for them in the terminal. Get off the ship as soon as it is cleared. You still line up to get off - but the line moves fast.
We don't use ground transportation - we always rent a car. Hertz is the closest to the terminal - and in my experience, they offer the best/fastest shuttle experience.
Some MCO hotels offer service too - but that can cause waits/delays.
We've stayed in an inside cabin on Dream and we also had a balcony on Fantasy. Both were nice. My kids preferred the inside cabin because you get the magical port hole.