Good Questions My fellow Georgian,my question also is are you going to be paying OOP for some of your meals, in that case you may want to eat breakfast since it is the cheapest and some great character places would be Crystal Palace and the best time is before the parks open,1900 Park Fare,Ohana's Lilo Stich,Tusker house,when I was there Sept4-10th I used my dinning credits for the most expensive places such as dinner and I did use one for the PSB breakfast but my character breakfast were only 18.99 for and adult and I have a 2yr old so he was free so I got off really cheap,saved my credits for LeCelliar,Ohanas.Coral Reef,Biergertan and etc,I found the best time for dinners for me was 8:00pm and on I know that this time may be late for some but it was great for us!