Just wanted to make a comment about things like filet and lobster. I've often gone to restaurants (including Disney restaurants) where the menu didn't specifically say, surf & turf, but the waitperson may tell you about it. Sometimes, they don't tell you about it, but if you ask, it's available. I suspect that these things are available to anyone, IF you ask, but also ask the price if you're not on a meal plan. When I went to Fulton's I ordered surf & turf, not on the menu but offered by the waitperson, and didn't think to ask the price (my own stupidity), and it was practically the price of two full entrees!
Also, I've read several reviews about DM...many people who mention that they are on the plan prior to ordering are suggested expensive menu items by the waitperson because their tip will be more, since it's based on a percentage of the actual cost of the meal. So, it benefits both you and them, you get a great meal for a great price, and the waitperson is happy that they're getting a larger tip.
Sounds like a great plan that I hope to use someday! Please let us know what you end up using your wishes on!