My opinion is out of pocket. It's a really fun place to eat and the burgers and onion rings are awesome, but the value just isn't there in my book. We have paid out of pocket both times we ate here.
Have to agree completely, OOP is the way to go at B&C, unless you've got a TS credit that you're otherwise going to "lose" if you don't use. The costs at B&C are low compared to almost all the other TS around, so save it for a more expensive meal. B&C is worth the visit, even OOP.