Definitely pay OOP for CRT!
I look at this way - I pre-pay for CRT w/ my debit card when I call to make my ADRs (months before my actual WDW trip), so, then, when I'm actually in WDW, our CRT meal is already paid for & I don't have to worry about it - leaving me 2 TS credits for 2 other meals, if I'm on the DDP or leaving me w/ extra $$ for more meals/spending money, if I'm not on the DDP.
Last year, when I called to schedule our ADRs, we had not yet decided on which resort, so I didn't yet have a MYW pckg w/ dining, so my debit card was charged for CRT. After we decided which resort & purchased our MYW pckg, I decided not to call back & have the charge removed from our debit card & saved those 2 TS credits for 2 other meals. I said all that to say - I'm not sure how it works if you call to make your ADRs & you already have a MYW pckg.
At any rate, I again plan to prepay for CRT this coming December when I make our ADRs for our June 2008 trip.