We have always made an ADR for our arrival night, & we drive down as well.
On some previous trips, we've stopped at the beach for a couple of nights before continuing to Disney. On those trips, since we were arriving to Disney before or around lunchtime, I made a dinner ADR somewhere actually in the MK.
However, on our last trip, we didn't stop at the beach & just drove straight to Disney World in one day. We normally arrive sometime mid-afternoon. Since we didn't plan on going into the parks, I made an ADR for Whispering Canyon Café.
At the time, Whispering Canyon Café was not a "$10 charge if you don't show" restaurant, so I wasn't really worried. And, we arrived w/ plenty of time.
Now, however, all restaurants are "$10 charge if you don't show" restaurants.
For our upcoming trip in September, I have an 'Ohana ADR for our arrival night. It's for 6:35 pm, if I remember correctly. I'm a little nervous about it. However, hopefully, we'll stay on schedule, nothing will happen, & we'll be able to make it!