The other thing to consider is which characters are you looking for - and if paying out of pocket - breakfast is going to be cheaper. Some places only have character dining for certain meals, or may change characters from one meal to another 1900 Park Fare, or may have the same characters for every meal. allearsnet.com is a great resource for that information.
We love any character dining that will have Mickey and my 7 year old has to eat at Crystal Palace and see Pooh and Tigger!!!!