I've given this quite a bit of thought recently. My wife and I are in our mid 40s, and currently crunching numbers prior to purchasing DVC. We have used the DxDP on our most recent trips, found it to be a good value for us, and enjoyed it. Part of that value comes from the ability to not look at prices, and take some time away from the parks and lines. Our primary goal for the 7-10 days we are there in early December is to get away from work and the associated calls, texts, emails, etc... DxDP helps a lot with that! 2013 pricing makes it a little more difficult to make the decision based solely on dollars based on our past dining habits. Neither of use eat a large breakfast. It's usually coffee and a snack, or leftover dessert. That has freed up additional credits for other meals in the evening, or to be converted to snacks at the end of the trip to bring treats home for friends and family. I used current pricing for restaurants we usually dine in, for a 7 day trip. Before tax we would have spent $788.33 or about $112.62/day. I think the DxDP is priced at $99.97/day for 2013. Not eating breakfast consistently, and the number of signature meals we have hurt our return on the plan. With snacks and the treats we take home from unused credits we do a little better than the numbers indicate. That being said it has delivered a reasonable financial value, and giving us one less thing to think about which has been priceless. We probably won't use DxDP after purchasing DVC. We will probably be spending 10-14 days per year at Disney then and using the AP or PAP with TiW seems to be the better option at that point. Using the same numbers $751.22 would have been eligible for the 20% discount, for a total of $638.06, before tax and tip (including the one meal not covered by TiW). The first year with DxDP it was a no brainer. We stumbled into a promotion that included free DDP, and we just paid the price to upgrade to deluxe. The return on investment that particular year was greater. With increasing prices, and our changing travel plans we are spending a lot more time looking at numbers and deciding what we are most likely to do in reality to figure out where the best value is for us. I hope this helped some, rather than just making it more confusing!