DW and I(& fam) are veteran WDW tourists. A couple of years ago we tried some dining plan that was just more hassle than it was worth. I see all the questions and confusion on these boards and think it sounds like a big headache. We just pay OOP for our meals and snacks. No limitations, no math, no strategies, we just pay as we go. At the end of the day, I think we come out about even.