The trick is, there actually is a right answer, financially: for every guest there is a best strategy that costs you the least money for the amount you want to eat on your vacation. Sometimes, there may be two options to choose between - a slightly lower cash price that's the best price for less food or a slightly higher dining plan cost that's the best price with more food - and then it comes down to your preferences and whether you value that extra "included" food. Or it could be a clear savings with
DDP, or a clear situation where cash saves you money. But you have to actually run the numbers to figure that out.
If DDP saves you money, fantastic. Or if DDP costs a few extra dollars over cash for the base meal but actually ends up saving you money once you factor in the included desserts - that's rational too!
But if you're just picking it because you want a fixed price for food on your trip, yet cash is actually the cheaper option when ordering the food you'd like - it's really hard to justify the DDP from an economic standpoint.
If it's just the freedom to order anything or fixed price aspects that appeal in a situation like that, the gift card trick I suggested can give you much of the same psychological freedom and let you feel free to order what you like without making you handle cash during your trip.
Of course, you're welcome to do whatever you like, and clearly the dining plan is very popular. But I think the marketing promise of "
free dining" is really intoxicating - who doesn't like a literal free lunch? - and that can be a distraction from evaluating it objectively when the dining plan is at its core just a way to prepay for your meals. Sometimes that's a great deal - but sometimes it isn't, and all I'm saying is that you need to add up your intended purchases and make sure you're actually getting a good deal before springing for it.
Most bloggers and DIS'ers would rather see people get the best deal and not give Disney any unnecessary money, which is why I think this issue keeps coming up in so many discussions... the posts harping on this issue are coming from a good place because we want to see people getting the most for their vacation dollar!