We are staying at a family suite with a kitchenette, so though not included, plan to order some groceries and have continental breakfast in our room most days. We elected the regular dining plan for this trip solely because our kids are 3 & 6 and we plan to hit up lots of character meals. I probably wouldn't pay for those out of pocket based on the food reviews for most, but due to their ages I am really looking forward to meeting lots of characters this way vs. waiting in line in the parks.
And honestly, even if we come out about even, I really like the fact that it is already paid for when we go on our vacation. It makes it feel a little "all inclusive" to me. That said this is our first experience with it, so hard telling if it will turn out to be a good value for us or not. I envision us spending snack credits on a daily treat like a Micky Bar or Pretzel, and Starbucks for us tired parents.