Disagree. We went around and around when we booked our upcoming trip about the dining plan. We finally decided that it made more sense to get the TIW card and pay cash for our meals. I don't know that it will save us much money in the long run, but if we decide to eat light one or 2 days, then we will save money.
A, D, NO - I am looking forward to the full implementation of Disney's new XPass system.