PPs are correct, there is no way of making a general assumption, so many factors to consider. For some people, it isn't about the math, they find even if it's less expensive to eat OOP they like the security of knowing it's all paid up front. For us, no, it's not worth it. We aren't big eaters, rarely eat dessert, rarely eat snacks, I drink water every meal except breakfast when I drink coffee. I like a refreshing adult beverage, it's not included on the plan, I prefer appetizers instead of dessert, unless you get the most expensive plan not included. The last time I had the plan, years ago, we ended up with not only snack credits left over but TS credits as well, and that was with eating at a signature restaurant and going to to a show. Make sure when you are doing the math to not make your decisions based on price but on what you think you would really like on the menu.