DVC members who stay in a DVC resort do not have to have any pass at all to puchase the meal plan, not even an annual pass. By renting a DVC member's points, this applies to you also, but every person in your party must purchase the DDP also for the same number of nights. If you rent a DVC room from Disney, you must purchase a pass.
Prior to becoming DVC members, we always had an AP. I just did like a previous poster suggested, purchased a one day pass for everyone in my party with no expiration date, and traded up to an AP when our expired.
I would look at the new DDP rules and what is covered and compare that to the DDE, which is $50 for AP holders, and you get 20% off your entire bill.
I know that we eat way more than we normally would even think of eating on the DDP, including snacks and appetizers and deserts.