I've been trying to figure out the same things too...As I see it, each has it's own advantages, and it really depends on your eating (and drinking) habits. I'm more of a "grazer" - I eat small portions at a time, but eat quite often. So the dining plan, with the appetizer, entree and dessert, may be more than I can handle at one time. But then again, knowing where I ate on my last trip, I still would have saved money. For the DDE card, you need to either live in Florida, or have an AP (so there's an additional expense). The discount is on ALL beverages, which is nice, and I think I recovered the cost by the 3rd day. Now that the dining plan is available to DVC members staying on points, I'll probably give it a shot for my next trip.