Thanks for the quick reply! I'm going off heat index...looking at my own area's heat index, we're generally very close to the temperature or slightly above, no more than 5. So if the temperature is showing 110, our heat index is 115. That's stil above a head index of 96. So that's where my confusion is coming in. I've asked other people about this but they aren't very good at answering

As far as being outside, yes I'm outside quite a bit. I also don't have AC in my house OR my car (which I'm not happy about). I don't live in Seattle anymore, but at one point I did, and they have high humidity (80's as opposed to the 90% average of Orlando). They get in the high 90's a few times a year, and at those points it still wasn't as hot as it was here, even with the humidity. I've gone overboard on the cooling though, just in case. I have so many fans (I think 10) and 10 cooling bandanas, and 4 for the wrist. I'm just wondering if I'll really need them hehe.
As far as to the dining question....I wouldn't eat a counter service AND a table service. That's just way too much food. If anything, I'd do a breakfast on my own (I only like cereal for breakfast) and either a couple snacks (snacks being a croissant and fruit or a smoothie) and then a dinner...or a couple snacks and a lunch. I just wouldn't be able to eat both a dinner AND a lunch, especially the amount of food they give you at restaurants! Last week I only spent 10 dollars on food for the week, because of food I have stored, but I spend an average of 30 dollars a week on food. I buy in bulk, and it makes things so much cheaper

Maybe the people who refuse the dining plans are like me, and don't really want to eat that much food, so they'd be better off not getting the dining plans