This November will be the first time we are using the Silver Plan. I know most people here encourage getting the biggest bang for your buck. While that is absolutely our intention, we are also looking at it from the standpoint that most of our meals and activities will be prepaid.
We are staying concierge (also a first and, maybe a last, as we are waiting to hear if our DVC resale purchase goes through). We plan on eating most breakfasts in the lounge. We will pay cash for lunch and most of DS(5)'s meals. We are doing HDDR, Family Magic Tour, DH is golfing, and renting watermice. We will then use our remaining wishes on meals. Most of them are worth the wishes, but some we will probably just break even. We would love to do some of the two wish restaurants, but DS(19 months) would grow restless in some of those places and he is not old enough for a kids' club yet. But again, we are not looking to save a ton, just not worry about shelling out big bucks when we get there.
Good luck with whatever you choose!