I think you've already decided against the DxDP, but thought I'd throw in my two cents, for what it's worth. We did it several years ago (in 2008, I think). It was expensive then, but we managed to make it work in our favor because we went to just about every character meal you could think of. And we had dinner at Artist Point with relatives who live in Orlando. Our waiter let us use dining credits for them. Now I don't know if he was supposed to, if it was a discretionary thing, or if he was bending the rules. We would have paid for them OOP if we'd had to, but we didn't. We had several TS credits left, too. At this point, it would just be way too much food. I really think they've priced the dining plan to the point where it seems like a great deal when you get free dining or they assume people just like to pre-pay for their meals. I admit, I really like that aspect of it. Now that we have two Disney adults who don't have the stomachs to match the category, it really doesn't pay for us to do it.