Now, just because your DDP amount is higher, doesn't mean you got a bad deal! If you felt that the increase in experience was worth the increase in base cost, and you came out ahead in that manner, then it's certainly good.
All true. Problem is, there are so many ways you could look at it.
There are many people who justifiably say, "I know I *could* eat cheaper without the dining plan, but I like the extra stuff the dining plan gets me."
In other words -- They WANT the expensive entrees and desserts, but might skip if paying OOP.
So putting aside the subjective for now -- things like "peace of mind" and "fixed budget" --- Just looking purely at comparing objective costs ---
I'd say people should price out how they WANT to eat. Within reality of course. They shouldn't budget in that $7500 bottle of 1992 Lafite Rothschild. But if they really really want lobster, go ahead and price in the $68 lobster at Narcoose's. If you want 1 dessert per day, go ahead and price it in.
If you are staying 5 nights, but want 7 TS -- then price out the OOP cost of 7 TS meals. If you only want 3 TS meals, then price out the 3 TS meals.
In other words, if there were no dining plan "rules" to work with, and if money was not a major factor, price out how you want to eat, what you would want to eat.
Once you have your personalized dining preferences --- Then see if a dining plan can be used to fit your preferences and reduce the costs.
For example, if you decide you want to have 5 character dinners over 5 nights --- There is a good chance that the DDP will then save you money.
If you decided you want to eat steak 2-3 times per day, then you might find that the DxDP can help you do it, at a reduced cost.
But if you found yourself not always desiring dessert, and/or ordering more mid-priced entrees, and/or eating meals at restaurants that are off the dining plan, and/or ordering appetizers instead of entrees, and/or your meal count not really equally a dining plan credit count, etc, etc -- You may find it more cost effective to skip the dining plan.
For example, for myself... I may want breakfast in the room, a light CS lunch every day (no dessert, $10-$15 for lunch per day), and a signature dinner every night ($40-70 per night). Snacking, at $3-10 per day.
Now, thats 2 TS credits per day and 1 CS credit. Total OOP per day, $53-$95. The DxDP in 2013, costs $99.99 per day. So clearly, that's no benefit.
The DDP would cover my CS lunch costs, but would only cover half my dinners. And even then, wouldn't cover appetizers I might order at dinner. Plus, it wouldn't necessarily cover all my snacking.
So the regular DDP -- At a cost of $55, would cover the CS lunch, and half the dinner costs ($20-$35). So to get the meals I want, I'd have to supplement with DDP with half my dinners -- In other words, the $55 base cost of the DDP, plus $20-$35. Plus about $0-7 worth of snacking.
So -- DxDP -- $99.99
OOP -- $53-$95
DDP -- $55+(20-35)+(0-7)= $75 to $97
So overall, the cheapest way to eat exactly what I want to eat... is OOP.