It's mostly a math question. What would you spend cash vs dining plan.
If you enjoy going to several character buffets, then the dining plan can be a decent deal if you have 2 children under 10...there are also some high dollar locations that can make the
DDP worthwhile for adults...if you can get those ADR's
But yes, it is possible to spend less using cash, even less if you are agreeable to cooking in the kitchen (but that usually requires a
DW(?) willing to cook on vacation.. Some foodies love cooking on vacation because they are too busy working the rest of the year)
If you are used to value or moderate resorts, you need to be aware that
DVC resort QS options are very limited compared to food courts....so we had to adjust our schedule to QS more in the parks..