Here's my opinion: 10 days of dining plan is overload. You are better off doing a split stay at two different resorts to enjoy the surroundings or for transportation convenience. For example, 5 days at a MK monorail resort and 5 days at an Epcot resort. Then I would just buy 5 nights of dining plan (which can you stretch for 6 days of eating because you have all those credits). Believe me, after the 4 day of eating on the dining plan, most will burn out and eat anywhere without regarding to value and how much each day will cost.
We went in May and did 4 nights dining plan. We had cereal in the room every morning before heading out to the parks. Then early 11:30am lunch at counterservice or table service. Then dinner around 5:30 to 6:30pm. We even shared meals with our kids because the portions are good size and to stretch out the credits so we have enough for the 5th day.
In the alternative, you can do 7 days with the dining plan on Disney property and then spend 2 or 3 days at Universal. My kids (age 5 and 18 months) loved Universal as much as Disney. I had to ride Spiderman 3 times and Men in Black 5 times with son. They have a Spiderman/Cat in the Hat character breakfast which had great character interaction. Food was so-so but better value than Disney character breakfast.
Have a good time planning.
Cynthia