I agree with this! We always pay OOP for drinks & get more expensive (allowed) items with our snack credits.
Our favorites are:
MK: Anything from the bakery on Main St or Confectionery & Dole Whip float at Aloha Isle (Adventureland)
Downtown Disney: Treats from Goofy's Candy Company (gingerbread cookies, large sugar cookies, fudge.. etc..) We get these to go right before heading home from WDW with any leftover snack credits.