I just wanted to say thanks again for posting this link, and to bump up the thread for others trying to make the decision.
When I first found this thread, I played around with my initial dining wish list, and we came out ahead by paying OOP - somewhere around a $300 difference.
I have now made my ADRs and plugged in more realistic numbers, and we came out WAY ahead paying OOP - over $600. We are definitely not doing the DDP unless FD or a promotion comes out. At $55 a day times 5 "Disney adults" is just way more than we would spend over the course of a day. If appetizers and tips were included like the old days, it would make sense, but otherwise it's too restrictive. We like to order an appetizer or two to share and a dessert or two to share, or pick up something else for dessert elsewhere.