Also note that if you have a meal you'd rather pay out of pocket, you can just tell them that you're not on the plan and they'll bring you a bill as usual to charge to your MB or cash/card.
There are some meals where you might prefer to pay OOP vs. using your 'credit'. Example is we are having a early breakfast at Be Our Guest and lunch later at a QS. Both would burn QS credit so we're going to pay for lunch OOP as BOG breakfast is $21.99/pp and the 'higher' value of the two.