My thoughts:
1. I would have the type of wedding I could afford, without expecting my guests to pay for anything, including drinks. If what I could afford was soft drinks, then that is what I would have. But I wouldn't charge guests for a drink or a meal...sorry if that offends anyone, but that's MHO. When I host a party, I host the party, and throw the type of party I can afford to host.
2. If I received an invitation that said "Mr. & Mrs. JohnSmith and Family" and I had children, I would presume the "and Family" part meant the children, since DH & I owuld be covered under the "Mr. & Mrs." part.
3. I am actually kind of happy to live in an area where weddings are, in general, a bigger deal than a barbeque in the backyard. I think that's kind of nice, especially for a 1st wedding. Now a 2nd wedding might be a bit of a different story, and I think there is a bit more "leeway" in terms of hows & whats of a 2nd or 3rd wedding.
4. I wouldn't hesitate to go to wedding of a close friend or family if the circumstances were such that the couple were getting married, having a small restaurant reception, but couldn't afford to treat everyone. I would have a problen with someone throwing a big wedding that they obviously can't afford and expecting guests to pay for their own meals. It goes back to #1...throw the kind of party you can afford. My guess is that if the "big wedding" people toned it down a bit, they could aford to pay for their wedding without having to ask their guests to chip in.
5. The "gift covers the cost of your plate" thing is a rule of thumb, a reference point, not one of the Ten Commandments, for goodness sakes!!!! And it's a rule I go by as well...in our area, in general, a wedding is $75 per plate or more, depending on the place. I base my gift on that plus my relationship to the wedding couple.