I think that for both the silver and gold plans, weather or not they are good deals depends on how you will use them.
If you are only using the plans for meals, then both are a bad deal. For a 7 night stay for 2 adults, the silver plan is about $1000 more than Dream Maker, and for Gold, it's about $2000 more. BF and I are not doing a package, and have more or less planed out our meals, and we've budgeted $1000 for 8 nights/9 days (including several high priced places and character meals), the same as what the Silver plan would cost us for 7 nights/8 days. But the silver plan, if only used for meals, only gives us two meals a day, and our budget is planed for 3 a day. With Gold, it's even worse a deal.
However, if you plan on using A LOT non-park activities (golf, fishing, boat rentals, kids centers, Cirque, park tours) and plan on dinning in sit-down places at least 2x a day, then you'd break even or maybe even be a little ahead.
What I'd do (what I did, really) was sit down and figure out EXACTLY what we'd be doing each day for non-park activities and park tours, and all meals (I already know what restaurants we want to eat at so that helped a lot) and add up all the prices of activies and estimated meal costs for the whole stay. Add that amount on to the hotel/passes/transfers to get a grand total. Then compare that to the Silver/Gold plans. If the numbers are close, then I'd go with the plans, if a la carte is signifigantly cheaper, then I book a la carte but make sure to save enough money for meals/activities in time for the trip. Then simply charge EVERYTHNING to the room, and settle up at the end of the trip.
To me, there's no differance to charging to the room, or using my room key for the silver/gold plans. They're the same thing, just one is pre-paid, the other isn't. As long as I have the money before I leave for the trip, I don't have to worry about running the credit card up, and I'll have more money to buy treats with since I saved over paying for the silver/gold plans. Plus, I don't get the "use it or lose it" feeling. If we aren't hungry for 3 meals one day, we just don't eat, and use the money for shoping or just not spend it.
A la carte is almost always cheaper, and with a little planning and budgeting, you'll get more bang for the buck.