I think its a nice incentive when booking through Disney if they are offering the "free"
DDP, but I would never pay OOP for it with no discounts. Basically you are taking cash, which is good anywhere for anything, and giving it to Disney so they can put restrictions on it and give it back to you under the guise that you are getting a deal.
We are planning our fall trip and we are budgeting basically the same amount as buying the standard plan. The difference is our itinerary is heavy on TS, character meals and a few Sigs. On the DDP, we would be out of TS credits by the 3rd day of a 10 day trip and paying OOP for the remainder.
I know some people think its a deal but I haven't been able to see the light yet