CRT requires full payment even if you have hotel reservations. If you end up using the dining plan they'll credit the $$ back to your card when you dine there and then charge you for the meal plan credits. (side note, we always just pay out of pocket to dine in the castle as we feel it's not worth two TS credits...)
Anyhoo, some places require full payment and some require CC guarantee, but go ahead and make those ADRs, even without your resort reservations. Let us know what you booked!