Just today I priced everything out and compared paying outright for it against getting the Dining Plan. We are going to go for the dining plan on our trip this November. In the past I priced everything out after we returned home and we usually came out ahead with the dining plan and it happened again when I priced out everything after we looked a menus today. We do a lot of the higher priced table service meals like Cape May Dinner and Ohana and some of the character meals as well as some of the higher priced quick service meals so for us it works out best to do the dining plan. We generally use our snack credits for a light lunch such as splitting a ham and cheese croissant or pretzel along with a small veggie tray. Has worked out well for us and if they offer free dining during our stay it is even better!