I agree with the gift card plan. When I took my DS6 for a week in January two years ago, I decided against the free dining & went with a room discount instead. Neither of us are big eaters, and I prefer to drink water with meals. I had a huge amount of DIS rewards points which I put onto a gift card. There was more money than what was due on my room, so I left it on my account and used my room card to charge all our meals. We mostly did QS, but we did a character breakfast & another TS meal while there. It was freeing to not have reservations running our entire schedule or have to pick out a dessert & drink for every QS meal.