I read these boards and I amazed at the degree some people over plan their trips down to the exact meal location date and time.
To me, this is obviously NOT "OVER planning" - it's doing the planning necessary to have the kind of trip you want to have at DISNEY. As the PP said, It's adapting to the way Disney works - you want your choice of restaurants, then you plan in advance. If you CHOOSE not to, then you may have less options, maybe even very little available. It's all about choices - neither way is wrong or right, but you know the consequences of your choices. That said, I do feel bad for those who do not KNOW this - aren't aware of ADR's, etc. I can't imagine spending the $$ on a Disney trip, though, and not doing a ton of research, but that's the way I operate. I also think it is wrong to just not show up to an ADR or to double-book.
I've mentioned this before here, but I'll say it again. To me, the ADR/180 days thing is like buying concert tickets. You can choose to buy them on the day they are released and in many cases get your choice of seats. (Same as most Disney rests.) In a few cases, very popular concerts, even buying that day might not guarantee a ticket, or a good one. (This is like CRT maybe LeCellier). Or, you can choose to wait until a later date, even the day of the concert - then you take your chances on what sort of seat (in the Disney case, restaurant or time) you get or that it might be sold out entirely. Again, all about choices and understanding the "consequences" of those choices. It also applies to last-minute trips - yes, it stinks to not have much available, but same would apply if you decide to go to a concert weeks or months after tickets were released, there just might not be a lot available. It's not reasonable to expect Disney (or a concert venue) to hold reservations (or tickets) for those who ***might*** want them later or at the last minute. This is business - they want to maximize profit!!! If they can get a guaranteed sale booked 180 days in advance, why would they give that up and hope they could fill the table later? Doesn't make sense from a business stand-point. I do think a credit card guarantee makes sense though!! That gives them even more ability to maximize profit!
I will say, as I"m sure you can obviously guess, that I am a planner - in all aspects of my life. So, I'm sure it's easier for myself and other planners to adapt to the 180/ADR way of doing thing than it is for more go-with-the-flow types. My DH is that way and he thought it was nuts that I was making ADR's 180 days out, but I explained it to him, handled it myself and we had a wonderful trip! Unfortunately I think we all sometimes have to adapt our own personalities and work outside our "comfort zone" to get what we want in life. I know, as a planner, I had to work on going-with-the-flow once we got to Disney - with 2 young kids, you have to!! So I guess maybe the "go-with-the-flow" types need to adapt somewhat before the actual trip (or deal with limited choices) and "planners" need to adapt once there (or deal with disappointments, cranky kids, etc. etc!!)