Well I might have some 411 that might help. Last January my family of 8 went on the Gold Plan. My dad was paying for everything and we thought it would be very flexible if we had all the meals already payed for as well as the recreation etc. We were staying for a total of 10 days. The first 3 days were fine. but then we saw that we didn't necessarily need to eat three meals a day. We all know that meals at Disney are huge. We did a lot of recreation and found it very helpful not to pay every time we wanted to do something. The Plan included the Ultimate Park Hopper Pass, but we never visited the water parks or Wide World of Sports. Thelast day of our trip we still had leftover food "coupons" that we didn't use.
So in my opinion, if you're planning to stay a long time and visit every place then these plans are for you. If you're going for less than a week, they're not worth it. Hope this helped some!