We usually don't do the dining plan because as annual passholders we find we typically come out better using Tables in Wonderland. However, on the several trips where we did use the dining plan, we figured out something very quickly -- it's a lot of food! It's not quite as much now that table service meals don't include an appetizer for each person, but still a good size meal.
Before getting there, we figured we'd be buying additional meals out of pocket because you only get two meals per day. By the end of the week, though, we were wondering how we were going to force ourselves to eat two meals. In other words, don't fret too much about using two credits at CRT.
I also learned to stop looking at the right side of the menus, and just get what I wanted. For the first few days, I ordered the most expensive thing on every menu -- just to make sure I was getting the most out of our money. I enjoyed it a lot more when I stopped worrying about that and just ordered what sounded good.
I'd make the same recommendation regarding CRT. Plan to eat there based on your touring schedule and your family's eating habbits versus which is the better use of the two credits. Try to think of it as two credits, not $175 vs. $195. The menus are completely different, so check to see which entrees you're more likely to enjoy, those served at lunch or those served for dinner.
We always like to do at least one character breakfast on each vacation, but that's about the only breakfast we do in a sit down restaurant. I don't like to be bogged down by a big meal that early in the day. We typically go in August, so I also don't like to be walking around in the heat of mid-day on a very full stomach. That's why we tend to use most of our sit-down credits for dinners.
On many days, we'd use a snack credit at the Main Street Bakery for a crousant or bowl of fruit as breakfast. For the counter service meals, we found that we could often share a meal at lunch -- some of them are huge, and then share another credit if we were in the parks late and wanted a midnight snack.