I'm from the NY metro area and covering the cost of the meal is something we try to do when we go to a wedding. Truthfully, it's something I want to do for the bride and groom....it's not expected but if I can afford it, I will do it. It's not meant to be distasteful, a tacky slam, nor an etched in stone expectation. If I can afford it, I take the cost of the wedding into consideration when I give a gift especially when it's an elaborate affair. I'll also give considerably more for a relative. It must be a regional thing because I've been brought up with the idea, don't find it distasteful, nor do I feel the onus is on me to pay for my plate no matter what. It's just something I try to do.
I'd never not attend a wedding if I couldn't cover the cost of the meal. And the bride and groom wouldn't want me to turn them down for that reason. But it is a consideration when I plan my gift - a consideration that I, as the guest, think about.....not I, as the bride, ever worried about.