I've never not broken at least even with the dining plan. We're fairly big eaters, and hey we're on vacation! We wouldn't order that way if we had to pay out of pocket, but we're completely happy to do so and will cheerfully eat it all. We don't go crazy doing math, the rule is that you order the most expensive thing you want, and if a snack is under a certain amount, pay out of pocket and save the credit until you want something more expensive. We really, really missed it the last two trips when it wasn't available. You need at least one or two big eaters in a party, though (unless you have little kids and are doing characters, etc.).