We have a winner!
It's not FREE. It's kind of like if the local store marked up Ceral to $10 a box and gave you a "free" quart of milk. You have to decide if that "free" milk is a better deal then going someplace else and buying ceral and milk seperate.
I figure that the only way to say if I am REALLY saving is to add up what I would NORMALLY spend and see. Since I don't want (or NEED) a Disney sitdown once a day it's generally too costly for me.
I have gotten to the point where I am pretty much either using my DVC points or staying off site. Disney pricing is

for the quality they provide.