We do the redcard thing as well. Our daughter is now 10, and is a small eater, so we are not doing the meal plan in June. Instead we are purchasing the cost of the meal plan on disney gift cards (that we bought with our redcard). This way, our meals are prepaid, like dining, but if we don't use the entire amount, the gift cards can still be used for souvenirs, etc. I know people say that VISA gift cards are better because if you don't use them all at Disney, you can use them elsewhere. However, with the 5% discount AND the fact that I know that we will definitely use the cards at Disney, this is a win win for us. Oh, and we also have Tables in Wonderland, so hopefully that will be an additional win!