I think the OP was asking if it's worth investing for her circumstances.
I think it's worth it, but I would check through below and see if these other perks are worthwhile for you too.
NOTE: Effective January 1, 2008 a charge of 18% gratuity will be added to all Disney Dining Experience transactions, regardless of party size.
DISNEY DINING EXPERIENCE is a dining discount program for eligible Florida Residents and Annual Passholders 21 and older good for 20 percent off food and beverage at a number of Walt Disney World Resort hotel and theme park restaurants and lounges. The discount is good for up to 10 persons in your party. (Prior to 2005, the DDE, as it is commonly called, was only open to Florida residents.)
-- General Membership (Florida Residents ONLY): $85.00
-- Annual/Seasonal Passholders' Rate: $60.00
-- Florida Resident (non-Passholder) Renewals: $70.00 (for existing memberships received within 30 days of expiration date)
-- Add a second membership for your spouse or partner for only $25 more.
Disney Dining Experience Benefits:
1. Members receive a 20% discount on all food and beverage (including alcohol) for up to 10 people at participating table-service Disney restaurants.
-- Discount applies to member's check only.
-- One Disney Dining card per table. Two cards cannot be combined.
-- Member must be present to receive discount.
-- Card must be presented when ordering.
2. Half-price admission to Pleasure Island for cardholder (hard-ticket admission excluded) and ONE (1) guest. The ticket will only be valid on the date of issuance. You must present the Disney Dining Experience Card to receive the discount.
3. Club Newsletter
4. Complimentary parking:
Theme Park for a short period for the sole purpose of dining. You'll have to pay parking at the toll booth, then after dining, present receipt and parking ticket at Guest Relations for a refund.
Walt Disney World Resorts - when dining at a Walt Disney World resort, valet parking is complimentary. After dining, present a dining receipt at the valet stand.
5. Exclusive invitations to Disney Dining Experience events.
WDW-DINE (407-939-3463) will book priority seatings for guests who are members of Disney Dining Experience.
Theme park admission is required when dining in Theme Park restaurants.
Participating restaurants are subject to change. Guests will be notified of any changes in future newsletters. See BELOW for a list of restaurants.
Certain restrictions apply during holidays and special events, please check with the restaurant when you make your reservation. Blackout dates include major holidays: Mother's Day, Easter, 4th of July, Thanksgiving Day, Christmas Eve, Christmas Day, New Year's Eve, New Year's Day.