Actually, I may be in the minority, but I wouldn't get the plan, even if I broke even. I like the flexibility of not trying to "maximize the credits". For a lot of people, it is more relaxing not feeling the pressure to purchase what is less expensive when paying out of pocket. For me it's not feeling I need to choose the expensive meal, so that I don't "lose money". And the freedom of not having a dessert if I don't want one, or choosing to share an app with my husband instead of a dessert, etc. And if I'm not hungry, just getting QS, or a snack. This is a personal position, though, but you asked