WDW meal plan IS an actual savings unlike DLR. We loved it there. f your friend used it there then they are correct. BUT, DLR is not the same. We like to prepay too. It really helps our budget. But we buy gift cards and Disney Dollars throughout the year, Santa brings them and the Easter Bunny and Tooth Fairy too. We keep the largest amount on the gift cards so we don't have to carry tons of Disney Dollars. But the Disney Dollars come in handy at the places that are not set up for gift cards. They give change back in Disney dollars or in real money. If we have any left over ( never happens though!) they will cash them out for you. Also, by doing this, we can still use the coupons we receive with our package, our
AAA discounts at the places that take it and use them at DTD eateries.