We have paid cash, as well as Dining Plan, and since we no longer care for the DP, it's all cash.
That being said, we've been paying surcharges on buffets for a few years now, as we pay cash, and so it's starting to irritate us, so we are not doing as many character meals. We've done them all, multiple times, over and over, so we can make this decision, but for first or only timers, I would encourage a few character meals, as they are a special part of a Disney vacation - of course, that is if you can afford them. They allow for not having to wait in long lines in the sun, so that is great!
That being said, if a family cannot do any character meals, I don't feel they will be missing out at all. The food at character buffets is nothing special, especially breakfast. We feel breakfast character meals are grossly expensive - dry toast and runny eggs are not worth $25.00/pp!
We have done Crystal Palace more than any other buffet, been there so many times, and it is consistently good characters, service and pretty good food, so I would recommend this one for sure to OP, especially since it's Pooh characters, and it's at the Magic Kingdom. Perhaps pick the latest lunch (3:30, I think?), and then you'll be filled up enough for a few hours, and you can get a CS meal for later, or, leave the park after dinner, and eat off-site?
Happy eating, Tiger
