I personally don't care if it costs more to have the dining plan, I love it for one big reason. When I'm paying OOP, when I look at a menu, the first thing I see are the $$$. Then, even though I've got no problems affording whatever I want to eat, I still won't order the pricier items, just because I have trouble spending that kind of money out of pocket on food. With the dining plan, I'm still paying that amount, but I just lump it all into the entire cost of the vacation which doesn't bother me nearly as much. I can relax, look at the menu and order what I want. I can order an appetizer if I want because it's still going to end up being a much easier to stomach final cost.